System

Abstract

A system is provided.SOLUTION: A system comprising: means for inputting financial information and goal information from a user; means for generating a prompt using the financial information and goal information; means for transmitting the generated prompt to a generative artificial intelligence to obtain financial advice; and means for displaying the obtained financial advice to the user.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The technology of the present disclosure relates to a system. [Background technology]

[0002] Patent document 1 discloses a persona chatbot control method performed by at least one processor, the method including the steps of receiving a user utterance, adding the user utterance to a prompt including an instruction sentence related to a description of the chatbot character, encoding the prompt, and inputting the encoded prompt into a language model to generate a chatbot utterance in response to the user utterance. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Publication No. 2022-180282 Summary of the Invention [Problem to be solved by the invention]

[0004] Conventional financial advice systems have difficulty providing advice that is sufficiently personalized to each user's financial situation and goals. Furthermore, they lack efficient means for quickly and accurately generating appropriate advice based on the information provided by the user. This makes it difficult for users to obtain specific and effective advice tailored to their financial situation. This invention solves these issues by proposing a system that efficiently provides personalized financial advice using generative AI. [Means for solving the problem]

[0005] The present invention provides a system including: a means for allowing a user to input financial information and goal information; a means for generating prompts using the financial information and goal information; a means for transmitting the generated prompts to a generating artificial intelligence (AI) and obtaining financial advice; and a means for displaying the obtained financial advice to the user. The means for transmitting the prompts to the generating AI preferably utilizes a cloud-based service. Furthermore, the means for analyzing the obtained financial advice enables accurate extraction of advice and provision to the user. In this way, the present invention can quickly and effectively provide appropriate financial advice to each user.

[0006] "User" means any person or entity that utilizes the System to provide financial and goal information and receive advice.

[0007] "Financial Information" refers to economic data such as a user's income, expenses, and savings.

[0008] "Goal Information" refers to the short-term and long-term financial goals that a user wishes to achieve.

[0009] A "prompt" is a textual instruction generated based on the user's financial and goal information and sent to the artificial intelligence generator.

[0010] "Generative AI" refers to AI technology that generates text based on information provided by the user.

[0011] "Cloud-based services" refer to computing resources, data storage, and software services delivered over the internet.

[0012] "Financial Advice" refers to specific advice or recommendations based on a user's financial and financial goals.

[0013] "Means for analyzing" refers to the system's ability to analyze responses received from the generative artificial intelligence and extract meaningful advice. [Brief explanation of the drawings]

[0014] [Figure 1] 1 is a conceptual diagram showing an example of the configuration of a data processing system according to a first embodiment. [Figure 2] 1 is a conceptual diagram showing an example of main functions of a data processing device and a smart device according to a first embodiment. [Figure 3] FIG. 10 is a conceptual diagram showing an example of the configuration of a data processing system according to a second embodiment. [Figure 4] FIG. 10 is a conceptual diagram showing an example of main functions of a data processing device and smart glasses according to a second embodiment. [Figure 5] FIG. 10 is a conceptual diagram showing an example of the configuration of a data processing system according to a third embodiment. [Figure 6] FIG. 11 is a conceptual diagram showing an example of main functions of a data processing device and a headset-type terminal according to a third embodiment. [Figure 7] FIG. 10 is a conceptual diagram showing an example of the configuration of a data processing system according to a fourth embodiment. [Figure 8] FIG. 10 is a conceptual diagram showing an example of main functions of a data processing device and a robot according to a fourth embodiment. [Figure 9] 1 shows an emotion map onto which multiple emotions are mapped. [Figure 10] 1 shows an emotion map onto which multiple emotions are mapped. [Figure 11] FIG. 3 is a sequence diagram showing a processing flow of the data processing system according to the first embodiment. [Figure 12] FIG. 10 is a sequence diagram showing the flow of processing in the data processing system in Application Example 1. [Figure 13] FIG. 10 is a sequence diagram showing the flow of processing in the data processing system according to the second embodiment when an emotion engine is combined. [Figure 14]FIG. 10 is a sequence diagram showing the flow of processing in the data processing system in Application Example 2 when an emotion engine is combined. DETAILED DESCRIPTION OF THE INVENTION

[0015] An example of an embodiment of a system according to the technology of the present disclosure will be described below with reference to the accompanying drawings.

[0016] First, the terms used in the following description will be explained.

[0017] In the following embodiments, a coded processor (hereinafter simply referred to as a "processor") may be a single arithmetic device or a combination of multiple arithmetic devices. Furthermore, a processor may be a single type of arithmetic device or a combination of multiple types of arithmetic devices. Examples of arithmetic devices include a CPU (Central Processing Unit), a GPU (Graphics Processing Unit), a GPGPU (General-Purpose computing on Graphics Processing Units), and an APU (Accelerated Processing Unit).

[0018] In the following embodiments, a coded RAM (Random Access Memory) is a memory in which information is temporarily stored and is used as a working memory by a processor.

[0019] In the following embodiments, the coded storage is one or more non-volatile storage devices that store various programs, various parameters, etc. Examples of non-volatile storage devices include flash memory (SSD (Solid State Drive)), magnetic disks (e.g., hard disks), and magnetic tapes.

[0020] In the following embodiments, a communication I / F (Interface) with a symbol is an interface including a communication processor, an antenna, etc. The communication I / F controls communication between multiple computers. Examples of communication standards applied to the communication I / F include wireless communication standards including 5G (5th Generation Mobile Communication System), Wi-Fi (registered trademark), Bluetooth (registered trademark), etc.

[0021] In the following embodiments, "A and / or B" is synonymous with "at least one of A and B." In other words, "A and / or B" means that it may be only A, only B, or a combination of A and B. Furthermore, in this specification, the same concept as "A and / or B" is also applied when three or more things are expressed connected by "and / or."

[0022] [First embodiment]

[0023] FIG. 1 shows an example of the configuration of a data processing system 10 according to the first embodiment.

[0024] 1, a data processing system 10 includes a data processing device 12 and a smart device 14. An example of the data processing device 12 is a server.

[0025] The data processing device 12 includes a computer 22, a database 24, and a communication I / F 26. The computer 22 is an example of a "computer" according to the technology of the present disclosure. The computer 22 includes a processor 28, a RAM 30, and a storage 32. The processor 28, the RAM 30, and the storage 32 are connected to a bus 34. The database 24 and the communication I / F 26 are also connected to the bus 34. The communication I / F 26 is connected to a network 54. Examples of the network 54 include a WAN (Wide Area Network) and / or a LAN (Local Area Network).

[0026] The smart device 14 includes a computer 36, a reception device 38, an output device 40, a camera 42, and a communication I / F 44. The computer 36 includes a processor 46, a RAM 48, and a storage 50. The processor 46, the RAM 48, and the storage 50 are connected to a bus 52. The reception device 38, the output device 40, and the camera 42 are also connected to the bus 52.

[0027] The reception device 38 includes a touch panel 38A, a microphone 38B, and the like, and receives user input. The touch panel 38A detects contact with an indicator (for example, a pen or a finger) to receive user input by the touch of the indicator. The microphone 38B detects the user's voice to receive user input by voice. The control unit 46A transmits data indicating the user input received by the touch panel 38A and the microphone 38B to the data processing device 12. In the data processing device 12, the specific processing unit 290 acquires the data indicating the user input.

[0028] The output device 40 includes a display 40A and a speaker 40B, and presents data to the user 20 by outputting the data in a form of expression that the user 20 can perceive (for example, audio and / or text). The display 40A displays visible information such as text and images in accordance with instructions from the processor 46. The speaker 40B outputs audio in accordance with instructions from the processor 46. The camera 42 is a compact digital camera equipped with an optical system including a lens, aperture, and shutter, and an imaging element such as a CMOS (Complementary Metal-Oxide-Semiconductor) image sensor or a CCD (Charge Coupled Device) image sensor.

[0029] The communication I / F 44 is connected to a network 54. The communication I / Fs 44 and 26 control the exchange of various information between the processor 46 and the processor 28 via the network 54.

[0030] FIG. 2 shows an example of the main functions of the data processing device 12 and the smart device 14.

[0031] 2, in the data processing device 12, a specific process is performed by the processor 28. A specific processing program 56 is stored in the storage 32. The specific processing program 56 is an example of a "program" according to the technology of the present disclosure. The processor 28 reads the specific processing program 56 from the storage 32 and executes the read specific processing program 56 on the RAM 30. The specific process is realized by the processor 28 operating as a specific processing unit 290 in accordance with the specific processing program 56 executed on the RAM 30.

[0032] The storage 32 stores a data generation model 58 and an emotion identification model 59. The data generation model 58 and the emotion identification model 59 are used by the identification processing unit 290.

[0033] In the smart device 14, the processor 46 performs the reception output process. The storage 50 stores a reception output program 60. The reception output program 60 is used in conjunction with the specific processing program 56 by the data processing system 10. The processor 46 reads the reception output program 60 from the storage 50 and executes the read reception output program 60 on the RAM 48. The reception output process is realized by the processor 46 operating as the control unit 46A in accordance with the reception output program 60 executed on the RAM 48.

[0034] Next, a description will be given of the specific processing performed by the specific processing unit 290 of the data processing device 12. In the following description, the data processing device 12 will be referred to as a "server" and the smart device 14 will be referred to as a "terminal."

[0035] The present invention relates to a system that uses a generating AI to provide personalized financial advice based on a user's financial information and goal information. This system is realized by a user's terminal, a server, and a program that utilizes the generating AI.

[0036] Program processing flow

[0037] Collection of User Information

[0038] Users enter their financial and goal information into the terminal, such as income, expenses, savings, and other financial data, as well as short-term and long-term financial goals.

[0039] For example, the user enters the following information:

[0040] Income: 6 million yen

[0041] Expenses: 3.5 million yen

[0042] Savings: 2 million yen

[0043] Short-term goal: Save money for a trip

[0044] Long-term goal: Buy a home

[0045] Initializing user information

[0046] The terminal initializes a user object based on the entered user information, which includes the user ID, financial data, and goal data.

[0047] Preparing an Advice Generation Request

[0048] The device combines the user's financial and goal data to generate a prompt that is sent to the generating AI, typically in the form of text like this:

[0049] User financial data: {Income: 6,000,000, Expenses: 3,500,000, Savings: 2,000,000}

[0050] User Goals: {Short term: Travel savings, Long term: Home purchase}

[0051] Provide financial advice based on this.

[0052] Generating Advice

[0053] The server calls the Generative AI API and sends this prompt, and the Generative AI generates financial advice based on the prompt, so the server manages this process.

[0054] Getting Advice

[0055] The server receives the answer returned by the generation AI and extracts the text portion of the financial advice from the answer.

[0056] Displaying Advice

[0057] The device then displays extracted financial advice to the user, which contains specific and actionable content based on the user's financial situation and goals.

[0058] For example:

[0059] Advice for user ID 12345:

[0060] In the short term, we recommend allocating 50,000 yen per month to travel savings. For your long-term goal of buying a home, you can save 1 million yen per year from your current income. It's a good idea to review your spending and try to reduce your fixed costs.

[0061] In this way, the system of the present invention can quickly and effectively provide appropriate financial advice to each user, enabling users to accurately understand their own financial situation and receive specific advice to set realistic goals.

[0062] The processing flow will be explained below.

[0063] Step 1:

[0064] Users log in to the device and enter their financial and goal information, including income, expenses, savings, and other financial data, as well as short- and long-term goals such as travel funds or home purchases.

[0065] Step 2:

[0066] The terminal takes the input information and creates a User object, which has a user_id, financial_data, and goals. For example:

[0067] python

[0068] user = User(

[0069] user_id="12345",

[0070] financial_data={"Income": 6000000, "Expenses": 3500000, "Savings": 2000000},

[0071] goals={"short term": "travel savings", "long term": "home purchase"}

[0072] )

[0073] Step 3:

[0074] The device uses the user's financial and goal information to generate a prompt that is sent to the generation AI and takes the following form:

[0075] User financial data: {'income': 6000000, 'expenses': 3500000, 'savings': 2000000}

[0076] User Goals: {'Short Term': 'Travel Savings', 'Long Term': 'Home Purchase'}

[0077] Provide financial advice based on this.

[0078] Step 4:

[0079] The device sends the generated prompt to the server, which receives it and prepares a request to the generating AI.

[0080] Step 5:

[0081] The server uses the Generative AI API to send prompts, which then cause the Generative AI to generate financial advice based on the prompts.

[0082] Step 6:

[0083] The server receives the response from the generation AI and extracts the text portion of the financial advice from it, specifically using response.choices[0].text.

[0084] Step 7:

[0085] The server sends the extracted financial advice back to the terminal, where it is ready for the user to receive the advice.

[0086] Step 8:

[0087] The device displays financial advice to the user, tailored to the user's financial situation and goals, such as:

[0088] Advice for user ID 12345:

[0089] In the short term, we recommend allocating 50,000 yen per month to travel savings. For your long-term goal of buying a home, you can save 1 million yen per year from your current income. It's a good idea to review your spending and try to reduce your fixed costs.

[0090] These steps enable users to receive fast, accurate, and personalized financial advice based on their financial information and goals.

[0091] Example 1

[0092] Next, a description will be given of Example 1. In the following description, the data processing device 12 will be referred to as a "server" and the smart device 14 will be referred to as a "terminal."

[0093] In today's society, many users struggle to accurately understand their financial situation and set realistic financial goals. Users without specialized knowledge face challenges in obtaining appropriate financial advice quickly and effectively. Furthermore, general financial advice services do not always address the specific circumstances of individual users, creating a demand for personalized advice.

[0094] The specific processing by the specific processing unit 290 of the data processing device 12 in the first embodiment is realized by the following means.

[0095] In this invention, the server includes means for prompting a user to input financial information and goal information, means for initializing a user object using the financial information and goal information, and means for generating a prompt sentence based on the user object, thereby enabling the provision of specific and appropriate financial advice to each user.

[0096] A "user object" is a data structure that comprehensively holds user data and is generated based on financial and goal information entered by the user.

[0097] A "prompt" is formatted text that allows the user to input financial and goal information into the generating AI.

[0098] "Financial Information" means data that constitutes a user's financial situation, such as a user's income, expenses, and savings.

[0099] "Goal Information" is data indicating short-term and long-term financial goals set by a user.

[0100] "Generative AI" is an AI system for generating appropriate financial advice in natural language based on input prompts.

[0101] A "cloud-based service" is a collection of server resources provided over the Internet, providing a platform for online computing and data storage.

[0102] "Analyzing the response and extracting financial advice" is the process of interpreting and extracting the necessary financial advice from the text data returned by the generation AI.

[0103] "User interface" refers to the visual and operational means by which a user interacts with a system on a terminal.

[0104] The present invention relates to a system that uses a generative AI to provide personalized financial advice based on a user's financial information and goal information. This system involves a series of processes in which a user inputs financial information and goal information into their own device, and the generative AI generates and provides individual advice based on that information.

[0105] Collection of User Information

[0106] Users enter financial information such as income, expenses, savings, and short- and long-term financial goals into the device. For example, they might enter:

[0107] Income: 6 million yen

[0108] Expenses: 3.5 million yen

[0109] Savings: 2 million yen

[0110] Short-term goal: Save money for a trip

[0111] Long-term goal: Buy a home

[0112] Initializing user information

[0113] The device will initialize a user object based on the collected user information, which includes the user ID, income, expenses, savings, short-term goals, and long-term goals.

[0114] Generate prompt statement

[0115] The terminal will generate a prompt based on the initialized user object, which will be sent to the generation AI and will have the following format:

[0116] User financial data: {Income: 6,000,000, Expenses: 3,500,000, Savings: 2,000,000}

[0117] User Goals: {Short term: Travel savings, Long term: Home purchase}

[0118] Provide financial advice based on this.

[0119] Submitting an Advice Generation Request

[0120] The server uses the generated prompt text to send a request to the Generative AI API, which is made using a cloud-based service.

[0121] Generating and Getting Advice

[0122] The server receives and analyzes the response from the AI ​​generator, and extracts the text portion of the financial advice from the analyzed response.

[0123] Displaying Advice

[0124] The terminal is designed to display extracted financial advice to the user, such as:

[0125] Advice for user ID 12345:

[0126] In the short term, we recommend allocating 50,000 yen per month to travel savings. For your long-term goal of buying a home, you can save 1 million yen per year from your current income. It's a good idea to review your spending and try to reduce your fixed costs.

[0127] By implementing this system, users can gain an accurate understanding of their financial situation and receive specific and personalized advice to set realistic financial goals, thereby streamlining and optimizing financial management.

[0128] The flow of the identification process in the first embodiment will be described with reference to FIG.

[0129] Step 1:

[0130] The user enters their financial information and goal information into the terminal. Specifically, they enter their income, expenses, savings, and short-term and long-term financial goals. For example, if the income is 6 million yen, expenses are 3.5 million yen, and savings are 2 million yen, the short-term goal is to save money for travel, and the long-term goal is to buy a house. The entered data is temporarily stored by the terminal.

[0131] Step 2:

[0132] The terminal initializes a user object based on the input user information. It stores the input data (income, expenses, savings, and goal information) as variables in the object and internally sets the user ID. As an output, a user object is generated. This object contains all the user's financial and goal information.

[0133] Step 3:

[0134] The terminal generates a prompt based on the initialized user object. The input is a user object, and the prompt is generated in text format based on the data in each field. Specifically, the prompt is constructed in the following format:

[0135] User financial data: {Income: 6,000,000, Expenses: 3,500,000, Savings: 2,000,000}

[0136] User Goals: {Short term: Travel savings, Long term: Home purchase}

[0137] Provide financial advice based on this.

[0138] The output is this prompt.

[0139] Step 4:

[0140] The server sends a request to the AI ​​generation API using the generated prompt text. The input is the prompt text received from the device, which is then sent to the cloud-based AI generation service. The protocol used for transmission is generally HTTP or HTTPS. The output is the response data from the AI ​​generation.

[0141] Step 5:

[0142] The server receives the response from the generation AI and analyzes its contents. The input is the response data from the generation AI, which is received in JSON format or similar. The server analyzes the response data and extracts the text portion of the financial advice. The output is the analyzed financial advice text.

[0143] Step 6:

[0144] The terminal is designed to display the retrieved financial advice to the user. The input is the financial advice text received from the server, which is converted into a format suitable for the user interface for presentation. The output is a visual display to the user. An example of a specific advice message is displayed as follows:

[0145] Advice for user ID 12345:

[0146] In the short term, we recommend allocating 50,000 yen per month to travel savings. For your long-term goal of buying a home, you can save 1 million yen per year from your current income. It's a good idea to review your spending and try to reduce your fixed costs.

[0147] (Application example 1)

[0148] Next, a description will be given of Application Example 1. In the following description, the data processing device 12 will be referred to as a "server" and the smart device 14 will be referred to as a "terminal."

[0149] Conventional financial advice systems are primarily designed to provide advice based on basic financial data such as users' income, expenses, and savings, but do not analyze financial security risks or provide advice on how to address them. As a result, users are unable to fully understand their financial risks and are unable to take appropriate security measures.

[0150] The specific processing by the specific processing unit 290 of the data processing device 12 in the application example 1 is realized by the following means.

[0151] In this invention, the server includes means for having a user input financial information and goal information, means for generating prompts using the financial information and goal information, means for transmitting the generated prompts to a generating artificial intelligence and obtaining financial advice, means for analyzing financial security risks based on the obtained financial advice, and means for displaying security advice for the analyzed risks to the user. This allows the user to easily understand appropriate security measures according to their own financial situation and improve the accuracy of risk management.

[0152] "User" means an individual or entity that inputs financial and goal information and receives financial advice and security measures from the Generative Artificial Intelligence.

[0153] "Financial Information" is data related to a user's financial situation, such as income, expenses, and savings.

[0154] "Goal Information" is data about short-term and long-term financial and lifestyle goals.

[0155] A "prompt" is text data generated based on financial and goal information collected from a user and sent to the generating artificial intelligence.

[0156] "Generative AI" refers to an artificial intelligence system used to generate financial advice or security measures based on input prompts.

[0157] "Financial Advice" means specific instructions or suggestions provided by the generative artificial intelligence based on the user's financial and goal information.

[0158] "Financial Security Risk" means a potential financial danger or threat to a User's financial situation.

[0159] "Security advice" is specific measures and suggestions that users should take based on the financial security risks analyzed by the generative AI.

[0160] This invention relates to a system that uses generative AI to analyze financial security risks based on a user's financial information and goal information, and proposes appropriate countermeasures. This allows users to easily understand specific security measures according to their financial situation and improve the accuracy of risk management.

[0161] First, the user uses a device such as a smartphone or smart glasses to input financial information and goal information, such as income, expenses, savings, and short- and long-term goals. For example, the user might input information such as income of 6 million yen, expenses of 3.5 million yen, savings of 2 million yen, a short-term goal of saving money for travel, and a long-term goal of purchasing a home.

[0162] Next, the terminal initializes the user object based on the input information. The terminal generates a prompt based on this information. The generated prompt takes the following format as text data to be sent to the generation artificial intelligence (generation AI).

[0163] User financial data: {Income: 6,000,000, Expenses: 3,500,000, Savings: 2,000,000}

[0164] Provide financial risk assessment and measures.

[0165] The server calls the AI ​​API to send the prompt, and the AI ​​generates financial and security advice based on the prompt. The server receives the answer returned by the AI, analyzes it to assess financial and security risks, and extracts specific advice for the user.

[0166] Finally, the device presents the extracted security advice to the user, which is specific and actionable based on the user's financial situation and goals. For example, the advice may look like this:

[0167] Advice for user ID 12345:

[0168] Considering your current income and expenses, we recommend that you secure a one-year emergency fund. We recommend that you allocate 5% of your monthly income to a bank account as an emergency fund, and also review your insurance products and create a portfolio that takes risk hedging into consideration.

[0169] The hardware used includes smartphones and smart glasses, the software uses the Python programming language and the Requests library, and the generative AI uses OpenAI GPT models, for example. The system allows users to assess financial risks and receive assistance in taking appropriate measures.

[0170] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[0171] Step 1: Collect user information

[0172] Users use devices such as smartphones or smart glasses to input financial and goal information, such as income, expenses, savings, and short- and long-term goals. Specifically, users launch the application and input information such as income of 6 million yen, expenses of 3.5 million yen, savings of 2 million yen, a short-term goal of saving money for travel, and a long-term goal of purchasing a house. The input data is then stored on the device.

[0173] Input: User's income, expenses, savings, short-term goals, long-term goals

[0174] Output: A user object containing initialized financial and goal data.

[0175] Step 2: Initialize user information

[0176] The device initializes a user object based on the user information entered in step 1. This object also contains the user ID. The initialized object stores income, expenses, savings, short-term goals, and long-term goals.

[0177] Input: User's income, expenses, savings, short-term goals, long-term goals

[0178] Output: A user object containing the user ID and financial and goal data.

[0179] Step 3: Generate prompts

[0180] The device generates prompts based on the user object data to send to the generation AI. Specifically, it creates text prompts including income, expenses, savings, short-term goals, and long-term goals. For example,

[0181] User financial data: {Income: 6,000,000, Expenses: 3,500,000, Savings: 2,000,000}

[0182] Provide financial risk assessment and measures.

[0183] Input: User object containing user ID, financial data, and goal data

[0184] Output: Generated prompt statement

[0185] Step 4: Sending the prompt

[0186] The device sends the generated prompt to the Generating Artificial Intelligence (Generating AI) via the server. The server receives the prompt and sends a request to the Generating AI API. The API analyzes the prompt and returns financial advice as a response.

[0187] Input: Generated prompt text

[0188] Output: Response data returned by the generation AI

[0189] Step 5: Obtaining and analyzing advice

[0190] The server receives the response from the AI ​​generator and analyzes its contents. Specifically, it extracts the financial advice section from the response data, and then extracts the financial security risk assessment results and countermeasures.

[0191] Input: Response data returned from the generation AI

[0192] Output: Analyzed financial advice and security recommendations

[0193] Step 6: Viewing Advice

[0194] The terminal then displays the analyzed financial advice and security measures to the user. Specifically, the advice is displayed on the terminal display. For example,

[0195] Advice for user ID 12345:

[0196] Considering your current income and expenses, we recommend that you secure a one-year emergency fund. We recommend that you allocate 5% of your monthly income to a bank account as an emergency fund, and also review your insurance products and create a portfolio that takes risk hedging into consideration.

[0197] Input: Parsed financial advice and security measures

[0198] Output: Advice displayed to the user

[0199] Furthermore, an emotion engine that estimates the user's emotion may be combined. That is, the identification processing unit 290 may estimate the user's emotion using the emotion identification model 59 and perform identification processing using the user's emotion.

[0200] The present invention combines a system that uses generative AI to provide personalized financial advice based on a user's financial information and goal information with an emotion engine that recognizes the user's emotions. This system is realized by a user's terminal, a server, the emotion engine, and a program that utilizes generative AI.

[0201] Program processing flow

[0202] Collection of User Information

[0203] Users log in to the terminal and enter financial information and goal information, such as income, expenses, savings, and other financial data, as well as short-term and long-term goals.

[0204] For example, the user enters the following information:

[0205] Income: 6 million yen

[0206] Expenses: 3.5 million yen

[0207] Savings: 2 million yen

[0208] Short-term goal: Save money for a trip

[0209] Long-term goal: Buy a home

[0210] Initializing user information

[0211] The terminal uses the entered information to initialize a user object, which contains the user ID, financial data, and goal data.

[0212] Emotional information analysis

[0213] The device uses an emotion engine to analyze user input data, real-time facial expressions, tone of voice, etc. The emotion engine analyzes this data to determine the user's current emotional state.

[0214] Preparing an Advice Generation Request

[0215] The device combines financial data, goal data, and emotional information to generate prompts that are sent to a generative AI and take the following form:

[0216] User financial data: {Income: 6,000,000, Expenses: 3,500,000, Savings: 2,000,000}

[0217] User Goals: {Short term: Travel savings, Long term: Home purchase}

[0218] User's emotional state: {Stress: High, Motivation: Low}

[0219] Provide financial advice based on this.

[0220] Generating Advice

[0221] The server receives the generated prompts and generates financial advice using a generative AI, which provides optimal advice based on the prompts.

[0222] Getting Advice

[0223] The server receives the response from the generation AI and extracts the text portion of the financial advice from it.

[0224] Displaying Advice

[0225] The device then presents the user with financial advice that is tailored to their financial situation, goals, and emotional state, such as:

[0226] Advice for user ID 12345:

[0227] In the short term, we recommend allocating 50,000 yen per month to travel savings. Also, your long-term goal of purchasing a home can be achieved by saving 1 million yen per year from your current income. Since your current stress level is high and your motivation is low, it would be a good idea to review your spending at a reasonable pace and set aside time to relax.

[0228] In this way, the system of the present invention can provide appropriate financial advice to each user quickly and effectively. By taking emotional information into account, it is possible to obtain advice that is adapted to the user's psychological state.

[0229] The processing flow will be explained below.

[0230] Step 1:

[0231] Users log in to the device and enter their financial and goal information, including income, expenses, savings, and other financial data, as well as short- and long-term goals such as travel funds or home purchases.

[0232] Step 2:

[0233] The terminal takes the entered information and creates a user object, which holds the user ID, financial data, and goal data.

[0234] Step 3:

[0235] The device uses an emotion engine to analyze the user's emotional information, collecting data such as the user's input, facial expressions, and tone of voice.

[0236] Step 4:

[0237] The emotion engine analyzes the collected data and identifies the user's current emotional state (e.g., stress level, motivation).

[0238] Step 5:

[0239] The device integrates financial data, goal data, and emotional information to generate prompts that are then sent to the generative AI.

[0240] User financial data: {'income': 6000000, 'expenses': 3500000, 'savings': 2000000}

[0241] User Goals: {'Short Term': 'Travel Savings', 'Long Term': 'Home Purchase'}

[0242] User's emotional state: {'Stress': 'High', 'Motivation': 'Low'}

[0243] Provide financial advice based on this.

[0244] Step 6:

[0245] The device sends the generated prompt to the server, which receives it and prepares a request to the generating AI.

[0246] Step 7:

[0247] The server sends prompts using the Generative AI API, which then generates optimal financial advice based on the prompts.

[0248] Step 8:

[0249] The server receives the response from the AI ​​generator and extracts the text portion of the financial advice from it. Specifically, it extracts the necessary information from the API response.

[0250] Step 9:

[0251] The server sends the extracted financial advice back to the terminal, where it is ready for the user to receive the advice.

[0252] Step 10:

[0253] The device displays financial advice to users, tailored to their financial situation and goals, as well as emotional information.

[0254] Advice for user ID 12345:

[0255] In the short term, we recommend allocating 50,000 yen per month to travel savings. Also, your long-term goal of purchasing a home can be achieved by saving 1 million yen per year from your current income. Currently, you're feeling stressed and unmotivated, so it's a good idea to increase your motivation by accumulating small successes, while also reviewing your spending at a comfortable pace and setting aside time to relax.

[0256] These steps allow users to receive fast and accurate personalized financial advice based on their financial information, goals, and emotional state.

[0257] Example 2

[0258] Next, a description will be given of Example 2. In the following description, the data processing device 12 will be referred to as a "server" and the smart device 14 will be referred to as a "terminal."

[0259] While conventional financial advice systems can provide advice based on a user's financial information and goals, they lack the ability to take into account the user's emotions and psychological state. As a result, the advice provided does not adequately reflect the user's stress and motivation, resulting in low practicality. Furthermore, there is a need for more accurate advice that takes into account the user's emotional state, which changes in real time.

[0260] The specific processing by the specific processing unit 290 of the data processing device 12 in the second embodiment is realized by the following means.

[0261] In this invention, the server includes means for having a user input financial information and goal information, means for generating prompts using the financial information and goal information, and means for transmitting the generated prompts to the AI ​​generator to obtain financial advice. This enables the server to analyze the user's input data, real-time facial expressions, tone of voice, etc., identify the user's emotional state, and generate prompts that incorporate the emotional state, thereby providing highly feasible financial advice that reflects the user's psychological state.

[0262] "User" means an individual or organization that uses the system and inputs financial and goal information.

[0263] "Financial Information" means numerical data about your financial situation, such as your income, expenses, and savings, provided by you.

[0264] "Goal information" refers to short-term and long-term goals set by the user, such as travel funds or home purchases.

[0265] A "prompt" is input data generated based on a user's financial information, goal information, and emotional information and sent to a generative AI model.

[0266] "Generative artificial intelligence" is an automated, intelligent system that generates optimal financial advice based on input prompts.

[0267] "Financial Advice" means advice output by the generative AI based on prompts, taking into account the user's financial situation and goals.

[0268] "Emotional state" refers to a user's real-time emotional or psychological state, including, for example, stress and motivation levels.

[0269] An "emotion engine" is a system that has the function of analyzing a user's facial expressions, tone of voice, input data, etc. to identify their emotional state.

[0270] The present invention is a system for generating personalized financial advice based on financial information and goal information provided by a user. The system is realized by a user terminal, a server, an emotion engine, and a program using a generative AI model.

[0271] Users log in to their devices and enter their financial information and goals, such as income, expenses, savings, and short- and long-term goals. For example, they might enter the following information:

[0272] Income: 6 million yen

[0273] Expenses: 3.5 million yen

[0274] Amount saved: 2 million yen

[0275] Short-term goal: Save money for a trip

[0276] Long-term goal: Buy a home

[0277] Based on the input information, the terminal initializes a user object, which includes a user ID, financial data, and goal data.

[0278] In addition, the device captures the user's real-time facial expressions and tone of voice and sends them to the emotion engine. The emotion engine analyzes this data and identifies the user's current emotional state. For example, the emotion engine returns an emotional state such as "Stress: High, Motivation: Low."

[0279] The device integrates financial data, goal data, and emotional information to generate prompts for the generative AI model, which typically take the form:

[0280] plaintext

[0281] User's financial data: {Income: $60,000, Expenses: $35,000, Savings: $20,000}

[0282] User Goals: {Short term: Travel savings, Long term: Home purchase}

[0283] User's emotional state: {Stress: High, Motivation: Low}

[0284] Provide financial advice based on this.

[0285] This prompt is sent from the terminal to the server.

[0286] The server uses a generative AI model to generate optimal financial advice based on prompts received from the device. The generative AI model considers the user's financial information, goal information, and emotional state, analyzes each piece of data, and provides actionable advice.

[0287] The generated financial advice is sent from the server to the terminal, which then displays the received financial advice to the user. For example, the following advice may be provided:

[0288] plaintext

[0289] Advice for user ID 12345:

[0290] In the short term, we recommend allocating 50,000 yen per month to travel savings. Also, your long-term goal of purchasing a home can be achieved by saving 1 million yen per year from your current income. Since your current stress level is high and your motivation is low, it would be a good idea to review your spending at a reasonable pace and set aside time to relax.

[0291] The system provides fast and effective personalized financial advice that takes into account a user's financial situation, goals, and emotional state, thereby increasing user feasibility and satisfaction.

[0292] The flow of the identification process in the second embodiment will be described with reference to FIG.

[0293] Step 1:

[0294] A user logs in to a terminal and inputs financial and goal information, including income, expenses, savings, short-term and long-term goals, etc. The terminal then stores this data as variables and passes it on to the next processing step.

[0295] Step 2:

[0296] The terminal initializes a user object based on the financial and goal information entered by the user. The user object has fields such as user ID, income, expenses, savings, short-term goals, and long-term goals. The initialized object is used in subsequent processes.

[0297] Step 3:

[0298] The device captures the user's real-time facial expressions and tone of voice, along with financial and goal information. The captured data is sent to the emotion engine, which analyzes this data and identifies the user's current emotional state (e.g., stress: high, motivation: low). This identified emotional state is used in the next step.

[0299] Step 4:

[0300] The device combines financial data, goal data, and emotional information to generate a prompt, which is then sent to the generative AI model. An example prompt might look like this:

[0301] plaintext

[0302] User's financial data: {Income: $60,000, Expenses: $35,000, Savings: $20,000}

[0303] User Goals: {Short term: Travel savings, Long term: Home purchase}

[0304] User's emotional state: {Stress: High, Motivation: Low}

[0305] Provide financial advice based on this.

[0306] The generated prompt is sent to the server.

[0307] Step 5:

[0308] The server inputs the prompts received from the device into a generative AI model to generate financial advice. The generative AI model analyzes the financial information, goal information, and emotional information contained in the prompts and outputs the optimal advice. This advice is generated in text format and passed to the next step.

[0309] Step 6:

[0310] The server receives the generated financial advice, extracts important information from it, organizes it into text in a format that is easy for the user to understand, and sends it to the device.

[0311] Step 7:

[0312] The device receives financial advice from the server and displays it to the user, tailored to the user's financial situation, goals, and emotional state. For example, the device might display advice like:

[0313] plaintext

[0314] Advice for user ID 12345:

[0315] In the short term, we recommend allocating 50,000 yen per month to travel savings. Also, your long-term goal of purchasing a home can be achieved by saving 1 million yen per year from your current income. Since your current stress level is high and your motivation is low, it would be a good idea to review your spending at a reasonable pace and set aside time to relax.

[0316] The above processing steps enable the system to provide personalized financial advice that comprehensively considers each user's individual financial situation, goals, and emotional state.

[0317] (Application example 2)

[0318] Next, a description will be given of Application Example 2. In the following description, the data processing device 12 will be referred to as a "server" and the smart device 14 will be referred to as a "terminal."

[0319] Current financial management systems have difficulty providing financial advice that takes into account the user's emotions and psychological state. Furthermore, there is a lack of systems that provide personalized advice while ensuring the security of financial information. Therefore, it is a challenge to quickly provide appropriate advice that reflects the user's emotional state and security needs in financial management.

[0320] The identification process by the identification processing unit 290 of the data processing device 12 in Application Example 2 is realized by the following means. In this invention, the server includes means for having the user input financial information and goal information, means for generating a prompt using the financial information and goal information, means for sending the generated prompt to the generating artificial intelligence and obtaining financial advice, means for displaying the obtained financial advice to the user, means for recognizing emotions by analyzing input data, facial expressions in real time, tone of voice, etc., means for encrypting various information, and means for performing two-factor authentication. This makes it possible to quickly provide appropriate financial advice tailored to the user's emotional state and security needs.

[0321] "Financial information" is data that indicates a user's economic status, such as income, expenses, and savings.

[0322] "Goal Information" is data that includes short-term and long-term financial goals set by a user.

[0323] A "prompt" is data containing instructions or questions that are generated based on a user's financial and goal information and sent to the generating artificial intelligence.

[0324] "Generative AI" is an artificial intelligence program for generating appropriate financial advice based on input prompts.

[0325] "Emotion recognition means" is a technology that identifies emotions by analyzing user input data, real-time facial expressions, tone of voice, etc.

[0326] "Encryption" means a method of transforming information using cryptography to protect data such as a user's financial information or target information.

[0327] "Two-factor authentication" is an authentication method that strengthens security by using another authentication method in addition to one piece of authentication information such as a password.

[0328] To realize this application example, the following system configuration is required.

[0329] First, a user logs in to the application using a smartphone and enters their financial information (income, expenses, savings, etc.) and goal information (short-term and long-term financial goals). This information is temporarily stored on the user's device.

[0330] The financial and goal information entered by the user is protected using encryption technology (such as AES encryption). Two-factor authentication is also performed when the user logs in, ensuring security. At this stage, the user's device initializes a user object based on the entered information.

[0331] Next, the user's device uses the camera and microphone to recognize the user's emotions in real time. Image processing libraries (such as face_recognition) and voice recognition libraries (such as keras and soundfile) are used for emotion recognition. For example, the user's emotional state (such as stress or motivation levels) can be identified through face recognition and voice analysis using the camera.

[0332] It then integrates the user's financial, goal, and emotional information to generate appropriate prompts, which are then sent to a generative AI model to generate optimized financial advice. The prompts sent to the generative AI model take the following form:

[0333] User's financial data: {Income: 6,000,000, Expenses: 3,500,000, Savings: 2,000,000}

[0334] User Goals: {Short term: Travel savings, Long term: Home purchase}

[0335] User's emotional state: {Stress: High, Motivation: Low}

[0336] Provide financial advice based on this.

[0337] The prompt is sent to a cloud-based server, and the generative AI model generates financial advice based on it. The generated advice is received by the server, and its text portion is extracted. This extracted financial advice is then sent back to the user's device for display.

[0338] As a specific example, the advice for user ID 12345 would be:

[0339] In the short term, we recommend allocating 50,000 yen per month to travel savings. Also, your long-term goal of purchasing a home can be achieved by saving 1 million yen per year from your current income. Since your current stress level is high and your motivation is low, it would be a good idea to review your spending at a reasonable pace and set aside time to relax.

[0340] The system enables safe and fast delivery of personalized financial advice based on a user's financial information and emotional state.

[0341] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[0342] Step 1:

[0343] A user logs in to an application on their smartphone.

[0344] Input: User ID, password, and two-factor authentication information.

[0345] Output: Login success or failure status.

[0346] Specific operation: The user is authenticated using a two-factor authentication system, and if successful, proceed to the next step.

[0347] Step 2:

[0348] The user enters financial and goal information.

[0349] Input: Income, Expenses, Savings, Short Term Goals, Long Term Goals.

[0350] Output: The user's financial data object.

[0351] Specific operation: User input data is collected on the terminal, encrypted, and then sent to the server.

[0352] Step 3:

[0353] The user's device analyzes facial expressions and tone of voice in real time to identify their emotional state.

[0354] Input: User's facial expression image data, voice data.

[0355] Output: User's emotional information data.

[0356] Specific operation: Data analysis is performed using face recognition and speech recognition libraries to classify emotional states.

[0357] Step 4:

[0358] The device integrates financial data, goal data, and emotional information to generate prompts.

[0359] Inputs: Financial data, goal data, sentiment information.

[0360] Output: The prompt statement.

[0361] What it does: Consolidates all collected data and generates prompts to send to a generative AI model.

[0362] Step 5:

[0363] The generated prompts are sent to a cloud-based server, where a generative AI model retrieves financial advice.

[0364] Input: prompt statement.

[0365] Output: Financial advice text from a generative AI model.

[0366] Specific operation: Send a prompt to the cloud server and receive the generated advice.

[0367] Step 6:

[0368] The server analyzes the responses from the generative AI model and extracts the optimal financial advice.

[0369] Input: Response data for the generative AI model.

[0370] Output: Optimized financial advice.

[0371] Specific operation: Extract the financial advice portion from the generative AI's response in text format.

[0372] Step 7:

[0373] The terminal displays the obtained financial advice to the user.

[0374] Enter: optimized financial advice.

[0375] Output: Display of financial advice to user.

[0376] Specific behavior: Display financial advice on the user's device and allow the user to act on the advice as needed.

[0377] The specific processing unit 290 transmits the result of the specific processing to the smart device 14. In the smart device 14, the control unit 46A causes the output device 40 to output the result of the specific processing. The microphone 38B acquires audio indicating a user input regarding the result of the specific processing. The control unit 46A transmits audio data indicating the user input acquired by the microphone 38B to the data processing device 12. In the data processing device 12, the specific processing unit 290 acquires the audio data.

[0378] The data generation model 58 is a so-called generative AI (Artificial Intelligence). An example of the data generation model 58 is ChatGPT (Internet Search<URL: https: / / openai.com / blog / chatgpt> ), Gemini (Internet search <url: https: gemini.google.com ?hl="ja">) and other generation AIs. The data generation model 58 is obtained by performing deep learning on a neural network. A prompt including an instruction is input to the data generation model 58, and inference data such as voice data indicating voice, text data indicating text, and image data indicating an image is also input. The data generation model 58 performs inference on the input inference data in accordance with the instruction indicated by the prompt, and outputs the inference result in a data format such as voice data and text data. Here, inference refers to, for example, analysis, classification, prediction, and / or summarization.

[0379] In the above embodiment, an example in which the specific process is performed by the data processing device 12 has been given, but the technology of the present disclosure is not limited to this, and the specific process may be performed by the smart device 14.

[0380] [Second embodiment]

[0381] FIG. 3 shows an example of the configuration of a data processing system 210 according to the second embodiment.

[0382] 3, the data processing system 210 includes the data processing device 12 and smart glasses 214. An example of the data processing device 12 is a server.

[0383] The data processing device 12 includes a computer 22, a database 24, and a communication I / F 26. The computer 22 is an example of a "computer" according to the technology of the present disclosure. The computer 22 includes a processor 28, a RAM 30, and a storage 32. The processor 28, the RAM 30, and the storage 32 are connected to a bus 34. The database 24 and the communication I / F 26 are also connected to the bus 34. The communication I / F 26 is connected to a network 54. Examples of the network 54 include a WAN (Wide Area Network) and / or a LAN (Local Area Network).

[0384] The smart glasses 214 include a computer 36, a microphone 238, a speaker 240, a camera 42, and a communication I / F 44. The computer 36 includes a processor 46, a RAM 48, and a storage 50. The processor 46, the RAM 48, and the storage 50 are connected to a bus 52. The microphone 238, the speaker 240, and the camera 42 are also connected to the bus 52.

[0385] The microphone 238 receives instructions and the like from the user 20 by receiving voice uttered by the user 20. The microphone 238 captures the voice uttered by the user 20, converts the captured voice into audio data, and outputs it to the processor 46. The speaker 240 outputs audio in accordance with instructions from the processor 46.

[0386] Camera 42 is a small digital camera equipped with an optical system including a lens, aperture, and shutter, and an imaging element such as a CMOS (Complementary Metal-Oxide-Semiconductor) image sensor or a CCD (Charge Coupled Device) image sensor, and captures images of the surroundings of user 20 (for example, an imaging range defined by an angle of view equivalent to the field of vision of a typical healthy person).

[0387] The communication I / F 44 is connected to a network 54. The communication I / Fs 44 and 26 are responsible for the exchange of various information between the processor 46 and the processor 28 via the network 54. The exchange of various information between the processor 46 and the processor 28 using the communication I / Fs 44 and 26 is carried out in a secure state.

[0388] Fig. 4 shows an example of the main functions of the data processing device 12 and the smart glasses 214. As shown in Fig. 4, in the data processing device 12, a specific process is performed by the processor 28. A specific process program 56 is stored in the storage 32.

[0389] The specific processing program 56 is an example of a "program" according to the technology of the present disclosure. The processor 28 reads the specific processing program 56 from the storage 32 and executes the read specific processing program 56 on the RAM 30. The specific processing is realized by the processor 28 operating as a specific processing unit 290 in accordance with the specific processing program 56 executed on the RAM 30.

[0390] The storage 32 stores a data generation model 58 and an emotion identification model 59. The data generation model 58 and the emotion identification model 59 are used by the identification processing unit 290.

[0391] In the smart glasses 214, the reception output process is performed by the processor 46. A reception output program 60 is stored in the storage 50. The processor 46 reads the reception output program 60 from the storage 50 and executes the read reception output program 60 on the RAM 48. The reception output process is realized by the processor 46 operating as the control unit 46A in accordance with the reception output program 60 executed on the RAM 48.

[0392] Next, a description will be given of the identification process performed by the identification processing unit 290 of the data processing device 12. In the following description, the data processing device 12 will be referred to as the "server" and the smart glasses 214 will be referred to as the "terminal."

[0393] The present invention relates to a system that uses a generating AI to provide personalized financial advice based on a user's financial information and goal information. This system is realized by a user's terminal, a server, and a program that utilizes the generating AI.

[0394] Program processing flow

[0395] Collection of User Information

[0396] Users enter their financial and goal information into the terminal, such as income, expenses, savings, and other financial data, as well as short-term and long-term financial goals.

[0397] For example, the user enters the following information:

[0398] Income: 6 million yen

[0399] Expenses: 3.5 million yen

[0400] Savings: 2 million yen

[0401] Short-term goal: Save money for a trip

[0402] Long-term goal: Buy a home

[0403] Initializing user information

[0404] The terminal initializes a user object based on the entered user information, which includes the user ID, financial data, and goal data.

[0405] Preparing an Advice Generation Request

[0406] The device combines the user's financial and goal data to generate a prompt that is sent to the generating AI, typically in the form of text like this:

[0407] User financial data: {Income: 6,000,000, Expenses: 3,500,000, Savings: 2,000,000}

[0408] User Goals: {Short term: Travel savings, Long term: Home purchase}

[0409] Provide financial advice based on this.

[0410] Generating Advice

[0411] The server calls the Generative AI API and sends this prompt, and the Generative AI generates financial advice based on the prompt, so the server manages this process.

[0412] Getting Advice

[0413] The server receives the answer returned by the generation AI and extracts the text portion of the financial advice from the answer.

[0414] Displaying Advice

[0415] The device then displays extracted financial advice to the user, which contains specific and actionable content based on the user's financial situation and goals.

[0416] For example:

[0417] Advice for user ID 12345:

[0418] In the short term, we recommend allocating 50,000 yen per month to travel savings. For your long-term goal of buying a home, you can save 1 million yen per year from your current income. It's a good idea to review your spending and try to reduce your fixed costs.

[0419] In this way, the system of the present invention can quickly and effectively provide appropriate financial advice to each user, enabling users to accurately understand their own financial situation and receive specific advice to set realistic goals.

[0420] The processing flow will be explained below.

[0421] Step 1:

[0422] Users log in to the device and enter their financial and goal information, including income, expenses, savings, and other financial data, as well as short- and long-term goals such as travel funds or home purchases.

[0423] Step 2:

[0424] The terminal takes the input information and creates a User object, which has a user_id, financial_data, and goals. For example:

[0425] python

[0426] user = User(

[0427] user_id="12345",

[0428] financial_data={"Income": 6000000, "Expenses": 3500000, "Savings": 2000000},

[0429] goals={"short term": "travel savings", "long term": "home purchase"}

[0430] )

[0431] Step 3:

[0432] The device uses the user's financial and goal information to generate a prompt that is sent to the generation AI and takes the following form:

[0433] User financial data: {'income': 6000000, 'expenses': 3500000, 'savings': 2000000}

[0434] User Goals: {'Short Term': 'Travel Savings', 'Long Term': 'Home Purchase'}

[0435] Provide financial advice based on this.

[0436] Step 4:

[0437] The device sends the generated prompt to the server, which receives it and prepares a request to the generating AI.

[0438] Step 5:

[0439] The server uses the Generative AI API to send prompts, which then cause the Generative AI to generate financial advice based on the prompts.

[0440] Step 6:

[0441] The server receives the response from the generation AI and extracts the text portion of the financial advice from it, specifically using response.choices[0].text.

[0442] Step 7:

[0443] The server sends the extracted financial advice back to the terminal, where it is ready for the user to receive the advice.

[0444] Step 8:

[0445] The device displays financial advice to the user, tailored to the user's financial situation and goals, such as:

[0446] Advice for user ID 12345:

[0447] In the short term, we recommend allocating 50,000 yen per month to travel savings. For your long-term goal of buying a home, you can save 1 million yen per year from your current income. It's a good idea to review your spending and try to reduce your fixed costs.

[0448] These steps enable users to receive fast, accurate, and personalized financial advice based on their financial information and goals.

[0449] Example 1

[0450] Next, a description will be given of Example 1. In the following description, the data processing device 12 will be referred to as a "server" and the smart glasses 214 will be referred to as a "terminal."

[0451] In today's society, many users struggle to accurately understand their financial situation and set realistic financial goals. Users without specialized knowledge face challenges in obtaining appropriate financial advice quickly and effectively. Furthermore, general financial advice services do not always address the specific circumstances of individual users, creating a demand for personalized advice.

[0452] The specific processing by the specific processing unit 290 of the data processing device 12 in the first embodiment is realized by the following means.

[0453] In this invention, the server includes means for prompting a user to input financial information and goal information, means for initializing a user object using the financial information and goal information, and means for generating a prompt sentence based on the user object, thereby enabling the provision of specific and appropriate financial advice to each user.

[0454] A "user object" is a data structure that comprehensively holds user data and is generated based on financial and goal information entered by the user.

[0455] A "prompt" is formatted text that allows the user to input financial and goal information into the generating AI.

[0456] "Financial Information" means data that constitutes a user's financial situation, such as a user's income, expenses, and savings.

[0457] "Goal Information" is data indicating short-term and long-term financial goals set by a user.

[0458] "Generative AI" is an AI system for generating appropriate financial advice in natural language based on input prompts.

[0459] A "cloud-based service" is a collection of server resources provided over the Internet, providing a platform for online computing and data storage.

[0460] "Analyzing the response and extracting financial advice" is the process of interpreting and extracting the necessary financial advice from the text data returned by the generation AI.

[0461] "User interface" refers to the visual and operational means by which a user interacts with a system on a terminal.

[0462] The present invention relates to a system that uses a generative AI to provide personalized financial advice based on a user's financial information and goal information. This system involves a series of processes in which a user inputs financial information and goal information into their own device, and the generative AI generates and provides individual advice based on that information.

[0463] Collection of User Information

[0464] Users enter financial information such as income, expenses, savings, and short- and long-term financial goals into the device. For example, they might enter:

[0465] Income: 6 million yen

[0466] Expenses: 3.5 million yen

[0467] Savings: 2 million yen

[0468] Short-term goal: Save money for a trip

[0469] Long-term goal: Buy a home

[0470] Initializing user information

[0471] The device will initialize a user object based on the collected user information, which includes the user ID, income, expenses, savings, short-term goals, and long-term goals.

[0472] Generate prompt statement

[0473] The terminal will generate a prompt based on the initialized user object, which will be sent to the generation AI and will have the following format:

[0474] User financial data: {Income: 6,000,000, Expenses: 3,500,000, Savings: 2,000,000}

[0475] User Goals: {Short term: Travel savings, Long term: Home purchase}

[0476] Provide financial advice based on this.

[0477] Submitting an Advice Generation Request

[0478] The server uses the generated prompt text to send a request to the Generative AI API, which is made using a cloud-based service.

[0479] Generating and Getting Advice

[0480] The server receives and analyzes the response from the AI ​​generator, and extracts the text portion of the financial advice from the analyzed response.

[0481] Displaying Advice

[0482] The terminal is designed to display extracted financial advice to the user, such as:

[0483] Advice for user ID 12345:

[0484] In the short term, we recommend allocating 50,000 yen per month to travel savings. For your long-term goal of buying a home, you can save 1 million yen per year from your current income. It's a good idea to review your spending and try to reduce your fixed costs.

[0485] By implementing this system, users can gain an accurate understanding of their financial situation and receive specific and personalized advice to set realistic financial goals, thereby streamlining and optimizing financial management.

[0486] The flow of the identification process in the first embodiment will be described with reference to FIG.

[0487] Step 1:

[0488] The user enters their financial information and goal information into the terminal. Specifically, they enter their income, expenses, savings, and short-term and long-term financial goals. For example, if the income is 6 million yen, expenses are 3.5 million yen, and savings are 2 million yen, the short-term goal is to save money for travel, and the long-term goal is to buy a house. The entered data is temporarily stored by the terminal.

[0489] Step 2:

[0490] The terminal initializes a user object based on the input user information. It stores the input data (income, expenses, savings, and goal information) as variables in the object and internally sets the user ID. As an output, a user object is generated. This object contains all the user's financial and goal information.

[0491] Step 3:

[0492] The terminal generates a prompt based on the initialized user object. The input is a user object, and the prompt is generated in text format based on the data in each field. Specifically, the prompt is constructed in the following format:

[0493] User financial data: {Income: 6,000,000, Expenses: 3,500,000, Savings: 2,000,000}

[0494] User Goals: {Short term: Travel savings, Long term: Home purchase}

[0495] Provide financial advice based on this.

[0496] The output is this prompt.

[0497] Step 4:

[0498] The server sends a request to the AI ​​generation API using the generated prompt text. The input is the prompt text received from the device, which is then sent to the cloud-based AI generation service. The protocol used for transmission is generally HTTP or HTTPS. The output is the response data from the AI ​​generation.

[0499] Step 5:

[0500] The server receives the response from the generation AI and analyzes its contents. The input is the response data from the generation AI, which is received in JSON format or similar. The server analyzes the response data and extracts the text portion of the financial advice. The output is the analyzed financial advice text.

[0501] Step 6:

[0502] The terminal is designed to display the retrieved financial advice to the user. The input is the financial advice text received from the server, which is converted into a format suitable for the user interface for presentation. The output is a visual display to the user. An example of a specific advice message is displayed as follows:

[0503] Advice for user ID 12345:

[0504] In the short term, we recommend allocating 50,000 yen per month to travel savings. For your long-term goal of buying a home, you can save 1 million yen per year from your current income. It's a good idea to review your spending and try to reduce your fixed costs.

[0505] (Application example 1)

[0506] Next, a description will be given of Application Example 1. In the following description, the data processing device 12 will be referred to as a "server" and the smart glasses 214 will be referred to as a "terminal."

[0507] Conventional financial advice systems are primarily designed to provide advice based on basic financial data such as users' income, expenses, and savings, but do not analyze financial security risks or provide advice on how to address them. As a result, users are unable to fully understand their financial risks and are unable to take appropriate security measures.

[0508] The specific processing by the specific processing unit 290 of the data processing device 12 in the application example 1 is realized by the following means.

[0509] In this invention, the server includes means for having a user input financial information and goal information, means for generating prompts using the financial information and goal information, means for transmitting the generated prompts to a generating artificial intelligence and obtaining financial advice, means for analyzing financial security risks based on the obtained financial advice, and means for displaying security advice for the analyzed risks to the user. This allows the user to easily understand appropriate security measures according to their own financial situation and improve the accuracy of risk management.

[0510] "User" means an individual or entity that inputs financial and goal information and receives financial advice and security measures from the Generative Artificial Intelligence.

[0511] "Financial Information" is data related to a user's financial situation, such as income, expenses, and savings.

[0512] "Goal Information" is data about short-term and long-term financial and lifestyle goals.

[0513] A "prompt" is text data generated based on financial and goal information collected from a user and sent to the generating artificial intelligence.

[0514] "Generative AI" refers to an artificial intelligence system used to generate financial advice or security measures based on input prompts.

[0515] "Financial Advice" means specific instructions or suggestions provided by the generative artificial intelligence based on the user's financial and goal information.

[0516] "Financial Security Risk" means a potential financial danger or threat to a User's financial situation.

[0517] "Security advice" is specific measures and suggestions that users should take based on the financial security risks analyzed by the generative AI.

[0518] This invention relates to a system that uses generative AI to analyze financial security risks based on a user's financial information and goal information, and proposes appropriate countermeasures. This allows users to easily understand specific security measures according to their financial situation and improve the accuracy of risk management.

[0519] First, the user uses a device such as a smartphone or smart glasses to input financial information and goal information, such as income, expenses, savings, and short- and long-term goals. For example, the user might input information such as income of 6 million yen, expenses of 3.5 million yen, savings of 2 million yen, a short-term goal of saving money for travel, and a long-term goal of purchasing a home.

[0520] Next, the terminal initializes the user object based on the input information. The terminal generates a prompt based on this information. The generated prompt takes the following format as text data to be sent to the generation artificial intelligence (generation AI).

[0521] User financial data: {Income: 6,000,000, Expenses: 3,500,000, Savings: 2,000,000}

[0522] Provide financial risk assessment and measures.

[0523] The server calls the AI ​​API to send the prompt, and the AI ​​generates financial and security advice based on the prompt. The server receives the answer returned by the AI, analyzes it to assess financial and security risks, and extracts specific advice for the user.

[0524] Finally, the device presents the extracted security advice to the user, which is specific and actionable based on the user's financial situation and goals. For example, the advice may look like this:

[0525] Advice for user ID 12345:

[0526] Considering your current income and expenses, we recommend that you secure a one-year emergency fund. We recommend that you allocate 5% of your monthly income to a bank account as an emergency fund, and also review your insurance products and create a portfolio that takes risk hedging into consideration.

[0527] The hardware used includes smartphones and smart glasses, the software uses the Python programming language and the Requests library, and the generative AI uses OpenAI GPT models, for example. The system allows users to assess financial risks and receive assistance in taking appropriate measures.

[0528] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[0529] Step 1: Collect user information

[0530] Users use devices such as smartphones or smart glasses to input financial and goal information, such as income, expenses, savings, and short- and long-term goals. Specifically, users launch the application and input information such as income of 6 million yen, expenses of 3.5 million yen, savings of 2 million yen, a short-term goal of saving money for travel, and a long-term goal of purchasing a house. The input data is then stored on the device.

[0531] Input: User's income, expenses, savings, short-term goals, long-term goals

[0532] Output: A user object containing initialized financial and goal data.

[0533] Step 2: Initialize user information

[0534] The device initializes a user object based on the user information entered in step 1. This object also contains the user ID. The initialized object stores income, expenses, savings, short-term goals, and long-term goals.

[0535] Input: User's income, expenses, savings, short-term goals, long-term goals

[0536] Output: A user object containing the user ID and financial and goal data.

[0537] Step 3: Generate prompts

[0538] The device generates prompts based on the user object data to send to the generation AI. Specifically, it creates text prompts including income, expenses, savings, short-term goals, and long-term goals. For example,

[0539] User financial data: {Income: 6,000,000, Expenses: 3,500,000, Savings: 2,000,000}

[0540] Provide financial risk assessment and measures.

[0541] Input: User object containing user ID, financial data, and goal data

[0542] Output: Generated prompt statement

[0543] Step 4: Sending the prompt

[0544] The device sends the generated prompt to the Generating Artificial Intelligence (Generating AI) via the server. The server receives the prompt and sends a request to the Generating AI API. The API analyzes the prompt and returns financial advice as a response.

[0545] Input: Generated prompt text

[0546] Output: Response data returned by the generation AI

[0547] Step 5: Obtaining and analyzing advice

[0548] The server receives the response from the AI ​​generator and analyzes its contents. Specifically, it extracts the financial advice section from the response data, and then extracts the financial security risk assessment results and countermeasures.

[0549] Input: Response data returned from the generation AI

[0550] Output: Analyzed financial advice and security recommendations

[0551] Step 6: Viewing Advice

[0552] The terminal then displays the analyzed financial advice and security measures to the user. Specifically, the advice is displayed on the terminal display. For example,

[0553] Advice for user ID 12345:

[0554] Considering your current income and expenses, we recommend that you secure a one-year emergency fund. We recommend that you allocate 5% of your monthly income to a bank account as an emergency fund, and also review your insurance products and create a portfolio that takes risk hedging into consideration.

[0555] Input: Parsed financial advice and security measures

[0556] Output: Advice displayed to the user

[0557] Furthermore, an emotion engine that estimates the user's emotion may be further combined. That is, the identification processing unit 290 may estimate the user's emotion using the emotion identification model 59, and perform identification processing using the user's emotion.

[0558] The present invention combines a system that uses generative AI to provide personalized financial advice based on a user's financial information and goal information with an emotion engine that recognizes the user's emotions. This system is realized by a user's terminal, a server, the emotion engine, and a program that utilizes generative AI.

[0559] Program processing flow

[0560] Collection of User Information

[0561] Users log in to the terminal and enter financial information and goal information, such as income, expenses, savings, and other financial data, as well as short-term and long-term goals.

[0562] For example, the user enters the following information:

[0563] Income: 6 million yen

[0564] Expenses: 3.5 million yen

[0565] Savings: 2 million yen

[0566] Short-term goal: Save money for a trip

[0567] Long-term goal: Buy a home

[0568] Initializing user information

[0569] The terminal uses the entered information to initialize a user object, which contains the user ID, financial data, and goal data.

[0570] Emotional information analysis

[0571] The device uses an emotion engine to analyze user input data, real-time facial expressions, tone of voice, etc. The emotion engine analyzes this data to determine the user's current emotional state.

[0572] Preparing an Advice Generation Request

[0573] The device combines financial data, goal data, and emotional information to generate prompts that are sent to a generative AI and take the following form:

[0574] User financial data: {Income: 6,000,000, Expenses: 3,500,000, Savings: 2,000,000}

[0575] User Goals: {Short term: Travel savings, Long term: Home purchase}

[0576] User's emotional state: {Stress: High, Motivation: Low}

[0577] Provide financial advice based on this.

[0578] Generating Advice

[0579] The server receives the generated prompts and generates financial advice using a generative AI, which provides optimal advice based on the prompts.

[0580] Getting Advice

[0581] The server receives the response from the generation AI and extracts the text portion of the financial advice from it.

[0582] Displaying Advice

[0583] The device then presents the user with financial advice that is tailored to their financial situation, goals, and emotional state, such as:

[0584] Advice for user ID 12345:

[0585] In the short term, we recommend allocating 50,000 yen per month to travel savings. Also, your long-term goal of purchasing a home can be achieved by saving 1 million yen per year from your current income. Since your current stress level is high and your motivation is low, it would be a good idea to review your spending at a reasonable pace and set aside time to relax.

[0586] In this way, the system of the present invention can provide appropriate financial advice to each user quickly and effectively. By taking emotional information into account, it is possible to obtain advice that is adapted to the user's psychological state.

[0587] The processing flow will be explained below.

[0588] Step 1:

[0589] Users log in to the device and enter their financial and goal information, including income, expenses, savings, and other financial data, as well as short- and long-term goals such as travel funds or home purchases.

[0590] Step 2:

[0591] The terminal takes the entered information and creates a user object, which holds the user ID, financial data, and goal data.

[0592] Step 3:

[0593] The device uses an emotion engine to analyze the user's emotional information, collecting data such as the user's input, facial expressions, and tone of voice.

[0594] Step 4:

[0595] The emotion engine analyzes the collected data and identifies the user's current emotional state (e.g., stress level, motivation).

[0596] Step 5:

[0597] The device integrates financial data, goal data, and emotional information to generate prompts that are then sent to the generative AI.

[0598] User financial data: {'income': 6000000, 'expenses': 3500000, 'savings': 2000000}

[0599] User Goals: {'Short Term': 'Travel Savings', 'Long Term': 'Home Purchase'}

[0600] User's emotional state: {'Stress': 'High', 'Motivation': 'Low'}

[0601] Provide financial advice based on this.

[0602] Step 6:

[0603] The device sends the generated prompt to the server, which receives it and prepares a request to the generating AI.

[0604] Step 7:

[0605] The server sends prompts using the Generative AI API, which then generates optimal financial advice based on the prompts.

[0606] Step 8:

[0607] The server receives the response from the AI ​​generator and extracts the text portion of the financial advice from it. Specifically, it extracts the necessary information from the API response.

[0608] Step 9:

[0609] The server sends the extracted financial advice back to the terminal, where it is ready for the user to receive the advice.

[0610] Step 10:

[0611] The device displays financial advice to users, tailored to their financial situation and goals, as well as emotional information.

[0612] Advice for user ID 12345:

[0613] In the short term, we recommend allocating 50,000 yen per month to travel savings. Also, your long-term goal of purchasing a home can be achieved by saving 1 million yen per year from your current income. Currently, you're feeling stressed and unmotivated, so it's a good idea to increase your motivation by accumulating small successes, while also reviewing your spending at a comfortable pace and setting aside time to relax.

[0614] These steps allow users to receive fast and accurate personalized financial advice based on their financial information, goals, and emotional state.

[0615] Example 2

[0616] Next, a description will be given of Example 2. In the following description, the data processing device 12 will be referred to as a "server" and the smart glasses 214 will be referred to as a "terminal."

[0617] While conventional financial advice systems can provide advice based on a user's financial information and goals, they lack the ability to take into account the user's emotions and psychological state. As a result, the advice provided does not adequately reflect the user's stress and motivation, resulting in low practicality. Furthermore, there is a need for more accurate advice that takes into account the user's emotional state, which changes in real time.

[0618] The specific processing by the specific processing unit 290 of the data processing device 12 in the second embodiment is realized by the following means.

[0619] In this invention, the server includes means for having a user input financial information and goal information, means for generating prompts using the financial information and goal information, and means for transmitting the generated prompts to the AI ​​generator to obtain financial advice. This enables the server to analyze the user's input data, real-time facial expressions, tone of voice, etc., identify the user's emotional state, and generate prompts that incorporate the emotional state, thereby providing highly feasible financial advice that reflects the user's psychological state.

[0620] "User" means an individual or organization that uses the system and inputs financial and goal information.

[0621] "Financial Information" means numerical data about your financial situation, such as your income, expenses, and savings, provided by you.

[0622] "Goal information" refers to short-term and long-term goals set by the user, such as travel funds or home purchases.

[0623] A "prompt" is input data generated based on a user's financial information, goal information, and emotional information and sent to a generative AI model.

[0624] "Generative artificial intelligence" is an automated, intelligent system that generates optimal financial advice based on input prompts.

[0625] "Financial Advice" means advice output by the generative AI based on prompts, taking into account the user's financial situation and goals.

[0626] "Emotional state" refers to a user's real-time emotional or psychological state, including, for example, stress and motivation levels.

[0627] An "emotion engine" is a system that has the function of analyzing a user's facial expressions, tone of voice, input data, etc. to identify their emotional state.

[0628] The present invention is a system for generating personalized financial advice based on financial information and goal information provided by a user. The system is realized by a user terminal, a server, an emotion engine, and a program using a generative AI model.

[0629] Users log in to their devices and enter their financial information and goals, such as income, expenses, savings, and short- and long-term goals. For example, they might enter the following information:

[0630] Income: 6 million yen

[0631] Expenses: 3.5 million yen

[0632] Amount saved: 2 million yen

[0633] Short-term goal: Save money for a trip

[0634] Long-term goal: Buy a home

[0635] Based on the input information, the terminal initializes a user object, which includes a user ID, financial data, and goal data.

[0636] In addition, the device captures the user's real-time facial expressions and tone of voice and sends them to the emotion engine. The emotion engine analyzes this data and identifies the user's current emotional state. For example, the emotion engine returns an emotional state such as "Stress: High, Motivation: Low."

[0637] The device integrates financial data, goal data, and emotional information to generate prompts for the generative AI model, which typically take the form:

[0638] plaintext

[0639] User's financial data: {Income: $60,000, Expenses: $35,000, Savings: $20,000}

[0640] User Goals: {Short term: Travel savings, Long term: Home purchase}

[0641] User's emotional state: {Stress: High, Motivation: Low}

[0642] Provide financial advice based on this.

[0643] This prompt is sent from the terminal to the server.

[0644] The server uses a generative AI model to generate optimal financial advice based on prompts received from the device. The generative AI model considers the user's financial information, goal information, and emotional state, analyzes each piece of data, and provides actionable advice.

[0645] The generated financial advice is sent from the server to the terminal, which then displays the received financial advice to the user. For example, the following advice may be provided:

[0646] plaintext

[0647] Advice for user ID 12345:

[0648] In the short term, we recommend allocating 50,000 yen per month to travel savings. Also, your long-term goal of purchasing a home can be achieved by saving 1 million yen per year from your current income. Since your current stress level is high and your motivation is low, it would be a good idea to review your spending at a reasonable pace and set aside time to relax.

[0649] The system provides fast and effective personalized financial advice that takes into account a user's financial situation, goals, and emotional state, thereby increasing user feasibility and satisfaction.

[0650] The flow of the identification process in the second embodiment will be described with reference to FIG.

[0651] Step 1:

[0652] A user logs in to a terminal and inputs financial and goal information, including income, expenses, savings, short-term and long-term goals, etc. The terminal then stores this data as variables and passes it on to the next processing step.

[0653] Step 2:

[0654] The terminal initializes a user object based on the financial and goal information entered by the user. The user object has fields such as user ID, income, expenses, savings, short-term goals, and long-term goals. The initialized object is used in subsequent processes.

[0655] Step 3:

[0656] The device captures the user's real-time facial expressions and tone of voice, along with financial and goal information. The captured data is sent to the emotion engine, which analyzes this data and identifies the user's current emotional state (e.g., stress: high, motivation: low). This identified emotional state is used in the next step.

[0657] Step 4:

[0658] The device combines financial data, goal data, and emotional information to generate a prompt, which is then sent to the generative AI model. An example prompt might look like this:

[0659] plaintext

[0660] User's financial data: {Income: $60,000, Expenses: $35,000, Savings: $20,000}

[0661] User Goals: {Short term: Travel savings, Long term: Home purchase}

[0662] User's emotional state: {Stress: High, Motivation: Low}

[0663] Provide financial advice based on this.

[0664] The generated prompt is sent to the server.

[0665] Step 5:

[0666] The server inputs the prompts received from the device into a generative AI model to generate financial advice. The generative AI model analyzes the financial information, goal information, and emotional information contained in the prompts and outputs the optimal advice. This advice is generated in text format and passed to the next step.

[0667] Step 6:

[0668] The server receives the generated financial advice, extracts important information from it, organizes it into text in a format that is easy for the user to understand, and sends it to the device.

[0669] Step 7:

[0670] The device receives financial advice from the server and displays it to the user, tailored to the user's financial situation, goals, and emotional state. For example, the device might display advice like:

[0671] plaintext

[0672] Advice for user ID 12345:

[0673] In the short term, we recommend allocating 50,000 yen per month to travel savings. Also, your long-term goal of purchasing a home can be achieved by saving 1 million yen per year from your current income. Since your current stress level is high and your motivation is low, it would be a good idea to review your spending at a reasonable pace and set aside time to relax.

[0674] The above processing steps enable the system to provide personalized financial advice that comprehensively considers each user's individual financial situation, goals, and emotional state.

[0675] (Application example 2)

[0676] Next, a description will be given of Application Example 2. In the following description, the data processing device 12 will be referred to as a "server" and the smart glasses 214 will be referred to as a "terminal."

[0677] Current financial management systems have difficulty providing financial advice that takes into account the user's emotions and psychological state. Furthermore, there is a lack of systems that provide personalized advice while ensuring the security of financial information. Therefore, it is a challenge to quickly provide appropriate advice that reflects the user's emotional state and security needs in financial management.

[0678] The identification process by the identification processing unit 290 of the data processing device 12 in Application Example 2 is realized by the following means. In this invention, the server includes means for having the user input financial information and goal information, means for generating a prompt using the financial information and goal information, means for sending the generated prompt to the generating artificial intelligence and obtaining financial advice, means for displaying the obtained financial advice to the user, means for recognizing emotions by analyzing input data, facial expressions in real time, tone of voice, etc., means for encrypting various information, and means for performing two-factor authentication. This makes it possible to quickly provide appropriate financial advice tailored to the user's emotional state and security needs.

[0679] "Financial information" is data that indicates a user's economic status, such as income, expenses, and savings.

[0680] "Goal Information" is data that includes short-term and long-term financial goals set by a user.

[0681] A "prompt" is data containing instructions or questions that are generated based on a user's financial and goal information and sent to the generating artificial intelligence.

[0682] "Generative AI" is an artificial intelligence program for generating appropriate financial advice based on input prompts.

[0683] "Emotion recognition means" is a technology that identifies emotions by analyzing user input data, real-time facial expressions, tone of voice, etc.

[0684] "Encryption" means a method of transforming information using cryptography to protect data such as a user's financial information or target information.

[0685] "Two-factor authentication" is an authentication method that strengthens security by using another authentication method in addition to one piece of authentication information such as a password.

[0686] To realize this application example, the following system configuration is required.

[0687] First, a user logs in to the application using a smartphone and enters their financial information (income, expenses, savings, etc.) and goal information (short-term and long-term financial goals). This information is temporarily stored on the user's device.

[0688] The financial and goal information entered by the user is protected using encryption technology (such as AES encryption). Two-factor authentication is also performed when the user logs in, ensuring security. At this stage, the user's device initializes a user object based on the entered information.

[0689] Next, the user's device uses the camera and microphone to recognize the user's emotions in real time. Image processing libraries (such as face_recognition) and voice recognition libraries (such as keras and soundfile) are used for emotion recognition. For example, the user's emotional state (such as stress or motivation levels) can be identified through face recognition and voice analysis using the camera.

[0690] It then integrates the user's financial, goal, and emotional information to generate appropriate prompts, which are then sent to a generative AI model to generate optimized financial advice. The prompts sent to the generative AI model take the following form:

[0691] User's financial data: {Income: 6,000,000, Expenses: 3,500,000, Savings: 2,000,000}

[0692] User Goals: {Short term: Travel savings, Long term: Home purchase}

[0693] User's emotional state: {Stress: High, Motivation: Low}

[0694] Provide financial advice based on this.

[0695] The prompt is sent to a cloud-based server, and the generative AI model generates financial advice based on it. The generated advice is received by the server, and its text portion is extracted. This extracted financial advice is then sent back to the user's device for display.

[0696] As a specific example, the advice for user ID 12345 would be:

[0697] In the short term, we recommend allocating 50,000 yen per month to travel savings. Also, your long-term goal of purchasing a home can be achieved by saving 1 million yen per year from your current income. Since your current stress level is high and your motivation is low, it would be a good idea to review your spending at a reasonable pace and set aside time to relax.

[0698] The system enables safe and fast delivery of personalized financial advice based on a user's financial information and emotional state.

[0699] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[0700] Step 1:

[0701] A user logs in to an application on their smartphone.

[0702] Input: User ID, password, and two-factor authentication information.

[0703] Output: Login success or failure status.

[0704] Specific operation: The user is authenticated using a two-factor authentication system, and if successful, proceed to the next step.

[0705] Step 2:

[0706] The user enters financial and goal information.

[0707] Input: Income, Expenses, Savings, Short Term Goals, Long Term Goals.

[0708] Output: The user's financial data object.

[0709] Specific operation: User input data is collected on the terminal, encrypted, and then sent to the server.

[0710] Step 3:

[0711] The user's device analyzes facial expressions and tone of voice in real time to identify their emotional state.

[0712] Input: User's facial expression image data, voice data.

[0713] Output: User's emotional information data.

[0714] Specific operation: Data analysis is performed using face recognition and speech recognition libraries to classify emotional states.

[0715] Step 4:

[0716] The device integrates financial data, goal data, and emotional information to generate prompts.

[0717] Inputs: Financial data, goal data, sentiment information.

[0718] Output: The prompt statement.

[0719] What it does: Consolidates all collected data and generates prompts to send to a generative AI model.

[0720] Step 5:

[0721] The generated prompts are sent to a cloud-based server, where a generative AI model retrieves financial advice.

[0722] Input: prompt statement.

[0723] Output: Financial advice text from a generative AI model.

[0724] Specific operation: Send a prompt to the cloud server and receive the generated advice.

[0725] Step 6:

[0726] The server analyzes the responses from the generative AI model and extracts the optimal financial advice.

[0727] Input: Response data for the generative AI model.

[0728] Output: Optimized financial advice.

[0729] Specific operation: Extract the financial advice portion from the generative AI's response in text format.

[0730] Step 7:

[0731] The terminal displays the obtained financial advice to the user.

[0732] Enter: optimized financial advice.

[0733] Output: Display of financial advice to user.

[0734] Specific behavior: Display financial advice on the user's device and allow the user to act on the advice as needed.

[0735] The specific processing unit 290 transmits the result of the specific processing to the smart glasses 214. In the smart glasses 214, the control unit 46A causes the speaker 240 to output the result of the specific processing. The microphone 238 acquires audio indicating a user input regarding the result of the specific processing. The control unit 46A transmits audio data indicating the user input acquired by the microphone 238 to the data processing device 12. In the data processing device 12, the specific processing unit 290 acquires the audio data.

[0736] The data generation model 58 is a so-called generative AI (Artificial Intelligence). An example of the data generation model 58 is ChatGPT (Internet Search<URL: https: / / openai.com / blog / chatgpt> ), Gemini (Internet search <url: https: gemini.google.com ?hl="ja">) and other generation AIs. The data generation model 58 is obtained by performing deep learning on a neural network. A prompt including an instruction is input to the data generation model 58, and inference data such as voice data indicating voice, text data indicating text, and image data indicating an image is also input. The data generation model 58 performs inference on the input inference data in accordance with the instruction indicated by the prompt, and outputs the inference result in a data format such as voice data and text data. Here, inference refers to, for example, analysis, classification, prediction, and / or summarization.

[0737] In the above embodiment, an example in which the specific processing is performed by the data processing device 12 has been given, but the technology of the present disclosure is not limited to this, and the specific processing may be performed by the smart glasses 214.

[0738] [Third embodiment]

[0739] FIG. 5 shows an example of the configuration of a data processing system 310 according to the third embodiment.

[0740] 5, the data processing system 310 includes the data processing device 12 and a headset terminal 314. An example of the data processing device 12 is a server.

[0741] The data processing device 12 includes a computer 22, a database 24, and a communication I / F 26. The computer 22 is an example of a "computer" according to the technology of the present disclosure. The computer 22 includes a processor 28, a RAM 30, and a storage 32. The processor 28, the RAM 30, and the storage 32 are connected to a bus 34. The database 24 and the communication I / F 26 are also connected to the bus 34. The communication I / F 26 is connected to a network 54. Examples of the network 54 include a WAN (Wide Area Network) and / or a LAN (Local Area Network).

[0742] The headset type terminal 314 includes a computer 36, a microphone 238, a speaker 240, a camera 42, a communication I / F 44, and a display 343. The computer 36 includes a processor 46, a RAM 48, and a storage 50. The processor 46, the RAM 48, and the storage 50 are connected to a bus 52. The microphone 238, the speaker 240, the camera 42, and the display 343 are also connected to the bus 52.

[0743] The microphone 238 receives instructions and the like from the user 20 by receiving voice uttered by the user 20. The microphone 238 captures the voice uttered by the user 20, converts the captured voice into audio data, and outputs it to the processor 46. The speaker 240 outputs audio in accordance with instructions from the processor 46.

[0744] Camera 42 is a small digital camera equipped with an optical system including a lens, aperture, and shutter, and an imaging element such as a CMOS (Complementary Metal-Oxide-Semiconductor) image sensor or a CCD (Charge Coupled Device) image sensor, and captures images of the surroundings of user 20 (for example, an imaging range defined by an angle of view equivalent to the field of vision of a typical healthy person).

[0745] The communication I / F 44 is connected to a network 54. The communication I / Fs 44 and 26 are responsible for the exchange of various information between the processor 46 and the processor 28 via the network 54. The exchange of various information between the processor 46 and the processor 28 using the communication I / Fs 44 and 26 is carried out in a secure state.

[0746] Fig. 6 shows an example of the main functions of the data processing device 12 and the headset type terminal 314. As shown in Fig. 6, in the data processing device 12, a specific process is performed by the processor 28. A specific process program 56 is stored in the storage 32.

[0747] The specific processing program 56 is an example of a "program" according to the technology of the present disclosure. The processor 28 reads the specific processing program 56 from the storage 32 and executes the read specific processing program 56 on the RAM 30. The specific processing is realized by the processor 28 operating as a specific processing unit 290 in accordance with the specific processing program 56 executed on the RAM 30.

[0748] The storage 32 stores a data generation model 58 and an emotion identification model 59. The data generation model 58 and the emotion identification model 59 are used by the identification processing unit 290.

[0749] In the headset type terminal 314, a reception output process is performed by the processor 46. A reception output program 60 is stored in the storage 50. The processor 46 reads the reception output program 60 from the storage 50 and executes the read reception output program 60 on the RAM 48. The reception output process is realized by the processor 46 operating as the control unit 46A in accordance with the reception output program 60 executed on the RAM 48.

[0750] Next, a description will be given of the identification process performed by the identification processing unit 290 of the data processing device 12. In the following description, the data processing device 12 will be referred to as the "server" and the headset type terminal 314 will be referred to as the "terminal."

[0751] The present invention relates to a system that uses a generating AI to provide personalized financial advice based on a user's financial information and goal information. This system is realized by a user's terminal, a server, and a program that utilizes the generating AI.

[0752] Program processing flow

[0753] Collection of User Information

[0754] Users enter their financial and goal information into the terminal, such as income, expenses, savings, and other financial data, as well as short-term and long-term financial goals.

[0755] For example, the user enters the following information:

[0756] Income: 6 million yen

[0757] Expenses: 3.5 million yen

[0758] Savings: 2 million yen

[0759] Short-term goal: Save money for a trip

[0760] Long-term goal: Buy a home

[0761] Initializing user information

[0762] The terminal initializes a user object based on the entered user information, which includes the user ID, financial data, and goal data.

[0763] Preparing an Advice Generation Request

[0764] The device combines the user's financial and goal data to generate a prompt that is sent to the generating AI, typically in the form of text like this:

[0765] User financial data: {Income: 6,000,000, Expenses: 3,500,000, Savings: 2,000,000}

[0766] User Goals: {Short term: Travel savings, Long term: Home purchase}

[0767] Provide financial advice based on this.

[0768] Generating Advice

[0769] The server calls the Generative AI API and sends this prompt, and the Generative AI generates financial advice based on the prompt, so the server manages this process.

[0770] Getting Advice

[0771] The server receives the answer returned by the generation AI and extracts the text portion of the financial advice from the answer.

[0772] Displaying Advice

[0773] The device then displays extracted financial advice to the user, which contains specific and actionable content based on the user's financial situation and goals.

[0774] For example:

[0775] Advice for user ID 12345:

[0776] In the short term, we recommend allocating 50,000 yen per month to travel savings. For your long-term goal of buying a home, you can save 1 million yen per year from your current income. It's a good idea to review your spending and try to reduce your fixed costs.

[0777] In this way, the system of the present invention can quickly and effectively provide appropriate financial advice to each user, enabling users to accurately understand their own financial situation and receive specific advice to set realistic goals.

[0778] The processing flow will be explained below.

[0779] Step 1:

[0780] Users log in to the device and enter their financial and goal information, including income, expenses, savings, and other financial data, as well as short- and long-term goals such as travel funds or home purchases.

[0781] Step 2:

[0782] The terminal takes the input information and creates a User object, which has a user_id, financial_data, and goals. For example:

[0783] python

[0784] user = User(

[0785] user_id="12345",

[0786] financial_data={"Income": 6000000, "Expenses": 3500000, "Savings": 2000000},

[0787] goals={"short term": "travel savings", "long term": "home purchase"}

[0788] )

[0789] Step 3:

[0790] The device uses the user's financial and goal information to generate a prompt that is sent to the generation AI and takes the following form:

[0791] User financial data: {'income': 6000000, 'expenses': 3500000, 'savings': 2000000}

[0792] User Goals: {'Short Term': 'Travel Savings', 'Long Term': 'Home Purchase'}

[0793] Provide financial advice based on this.

[0794] Step 4:

[0795] The device sends the generated prompt to the server, which receives it and prepares a request to the generating AI.

[0796] Step 5:

[0797] The server uses the Generative AI API to send prompts, which then cause the Generative AI to generate financial advice based on the prompts.

[0798] Step 6:

[0799] The server receives the response from the generation AI and extracts the text portion of the financial advice from it, specifically using response.choices[0].text.

[0800] Step 7:

[0801] The server sends the extracted financial advice back to the terminal, where it is ready for the user to receive the advice.

[0802] Step 8:

[0803] The device displays financial advice to the user, tailored to the user's financial situation and goals, such as:

[0804] Advice for user ID 12345:

[0805] In the short term, we recommend allocating 50,000 yen per month to travel savings. For your long-term goal of buying a home, you can save 1 million yen per year from your current income. It's a good idea to review your spending and try to reduce your fixed costs.

[0806] These steps enable users to receive fast, accurate, and personalized financial advice based on their financial information and goals.

[0807] Example 1

[0808] Next, a description will be given of Example 1. In the following description, the data processing device 12 will be referred to as a "server" and the headset type terminal 314 will be referred to as a "terminal."

[0809] In today's society, many users struggle to accurately understand their financial situation and set realistic financial goals. Users without specialized knowledge face challenges in obtaining appropriate financial advice quickly and effectively. Furthermore, general financial advice services do not always address the specific circumstances of individual users, creating a demand for personalized advice.

[0810] The specific processing by the specific processing unit 290 of the data processing device 12 in the first embodiment is realized by the following means.

[0811] In this invention, the server includes means for prompting a user to input financial information and goal information, means for initializing a user object using the financial information and goal information, and means for generating a prompt sentence based on the user object, thereby enabling the provision of specific and appropriate financial advice to each user.

[0812] A "user object" is a data structure that comprehensively holds user data and is generated based on financial and goal information entered by the user.

[0813] A "prompt" is formatted text that allows the user to input financial and goal information into the generating AI.

[0814] "Financial Information" means data that constitutes a user's financial situation, such as a user's income, expenses, and savings.

[0815] "Goal Information" is data indicating short-term and long-term financial goals set by a user.

[0816] "Generative AI" is an AI system for generating appropriate financial advice in natural language based on input prompts.

[0817] A "cloud-based service" is a collection of server resources provided over the Internet, providing a platform for online computing and data storage.

[0818] "Analyzing the response and extracting financial advice" is the process of interpreting and extracting the necessary financial advice from the text data returned by the generation AI.

[0819] "User interface" refers to the visual and operational means by which a user interacts with a system on a terminal.

[0820] The present invention relates to a system that uses a generative AI to provide personalized financial advice based on a user's financial information and goal information. This system involves a series of processes in which a user inputs financial information and goal information into their own device, and the generative AI generates and provides individual advice based on that information.

[0821] Collection of User Information

[0822] Users enter financial information such as income, expenses, savings, and short- and long-term financial goals into the device. For example, they might enter:

[0823] Income: 6 million yen

[0824] Expenses: 3.5 million yen

[0825] Savings: 2 million yen

[0826] Short-term goal: Save money for a trip

[0827] Long-term goal: Buy a home

[0828] Initializing user information

[0829] The device will initialize a user object based on the collected user information, which includes the user ID, income, expenses, savings, short-term goals, and long-term goals.

[0830] Generate prompt statement

[0831] The terminal will generate a prompt based on the initialized user object, which will be sent to the generation AI and will have the following format:

[0832] User financial data: {Income: 6,000,000, Expenses: 3,500,000, Savings: 2,000,000}

[0833] User Goals: {Short term: Travel savings, Long term: Home purchase}

[0834] Provide financial advice based on this.

[0835] Submitting an Advice Generation Request

[0836] The server uses the generated prompt text to send a request to the Generative AI API, which is made using a cloud-based service.

[0837] Generating and Getting Advice

[0838] The server receives and analyzes the response from the AI ​​generator, and extracts the text portion of the financial advice from the analyzed response.

[0839] Displaying Advice

[0840] The terminal is designed to display extracted financial advice to the user, such as:

[0841] Advice for user ID 12345:

[0842] In the short term, we recommend allocating 50,000 yen per month to travel savings. For your long-term goal of buying a home, you can save 1 million yen per year from your current income. It's a good idea to review your spending and try to reduce your fixed costs.

[0843] By implementing this system, users can gain an accurate understanding of their financial situation and receive specific and personalized advice to set realistic financial goals, thereby streamlining and optimizing financial management.

[0844] The flow of the identification process in the first embodiment will be described with reference to FIG.

[0845] Step 1:

[0846] The user enters their financial information and goal information into the terminal. Specifically, they enter their income, expenses, savings, and short-term and long-term financial goals. For example, if the income is 6 million yen, expenses are 3.5 million yen, and savings are 2 million yen, the short-term goal is to save money for travel, and the long-term goal is to buy a house. The entered data is temporarily stored by the terminal.

[0847] Step 2:

[0848] The terminal initializes a user object based on the input user information. It stores the input data (income, expenses, savings, and goal information) as variables in the object and internally sets the user ID. As an output, a user object is generated. This object contains all the user's financial and goal information.

[0849] Step 3:

[0850] The terminal generates a prompt based on the initialized user object. The input is a user object, and the prompt is generated in text format based on the data in each field. Specifically, the prompt is constructed in the following format:

[0851] User financial data: {Income: 6,000,000, Expenses: 3,500,000, Savings: 2,000,000}

[0852] User Goals: {Short term: Travel savings, Long term: Home purchase}

[0853] Provide financial advice based on this.

[0854] The output is this prompt.

[0855] Step 4:

[0856] The server sends a request to the AI ​​generation API using the generated prompt text. The input is the prompt text received from the device, which is then sent to the cloud-based AI generation service. The protocol used for transmission is generally HTTP or HTTPS. The output is the response data from the AI ​​generation.

[0857] Step 5:

[0858] The server receives the response from the generation AI and analyzes its contents. The input is the response data from the generation AI, which is received in JSON format or similar. The server analyzes the response data and extracts the text portion of the financial advice. The output is the analyzed financial advice text.

[0859] Step 6:

[0860] The terminal is designed to display the retrieved financial advice to the user. The input is the financial advice text received from the server, which is converted into a format suitable for the user interface for presentation. The output is a visual display to the user. An example of a specific advice message is displayed as follows:

[0861] Advice for user ID 12345:

[0862] In the short term, we recommend allocating 50,000 yen per month to travel savings. For your long-term goal of buying a home, you can save 1 million yen per year from your current income. It's a good idea to review your spending and try to reduce your fixed costs.

[0863] (Application example 1)

[0864] Next, a description will be given of Application Example 1. In the following description, the data processing device 12 will be referred to as a "server" and the headset type terminal 314 will be referred to as a "terminal."

[0865] Conventional financial advice systems are primarily designed to provide advice based on basic financial data such as users' income, expenses, and savings, but do not analyze financial security risks or provide advice on how to address them. As a result, users are unable to fully understand their financial risks and are unable to take appropriate security measures.

[0866] The specific processing by the specific processing unit 290 of the data processing device 12 in the application example 1 is realized by the following means.

[0867] In this invention, the server includes means for having a user input financial information and goal information, means for generating prompts using the financial information and goal information, means for transmitting the generated prompts to a generating artificial intelligence and obtaining financial advice, means for analyzing financial security risks based on the obtained financial advice, and means for displaying security advice for the analyzed risks to the user. This allows the user to easily understand appropriate security measures according to their own financial situation and improve the accuracy of risk management.

[0868] "User" means an individual or entity that inputs financial and goal information and receives financial advice and security measures from the Generative Artificial Intelligence.

[0869] "Financial Information" is data related to a user's financial situation, such as income, expenses, and savings.

[0870] "Goal Information" is data about short-term and long-term financial and lifestyle goals.

[0871] A "prompt" is text data generated based on financial and goal information collected from a user and sent to the generating artificial intelligence.

[0872] "Generative AI" refers to an artificial intelligence system used to generate financial advice or security measures based on input prompts.

[0873] "Financial Advice" means specific instructions or suggestions provided by the generative artificial intelligence based on the user's financial and goal information.

[0874] "Financial Security Risk" means a potential financial danger or threat to a User's financial situation.

[0875] "Security advice" is specific measures and suggestions that users should take based on the financial security risks analyzed by the generative AI.

[0876] This invention relates to a system that uses generative AI to analyze financial security risks based on a user's financial information and goal information, and proposes appropriate countermeasures. This allows users to easily understand specific security measures according to their financial situation and improve the accuracy of risk management.

[0877] First, the user uses a device such as a smartphone or smart glasses to input financial information and goal information, such as income, expenses, savings, and short- and long-term goals. For example, the user might input information such as income of 6 million yen, expenses of 3.5 million yen, savings of 2 million yen, a short-term goal of saving money for travel, and a long-term goal of purchasing a home.

[0878] Next, the terminal initializes the user object based on the input information. The terminal generates a prompt based on this information. The generated prompt takes the following format as text data to be sent to the generation artificial intelligence (generation AI).

[0879] User financial data: {Income: 6,000,000, Expenses: 3,500,000, Savings: 2,000,000}

[0880] Provide financial risk assessment and measures.

[0881] The server calls the AI ​​API to send the prompt, and the AI ​​generates financial and security advice based on the prompt. The server receives the answer returned by the AI, analyzes it to assess financial and security risks, and extracts specific advice for the user.

[0882] Finally, the device presents the extracted security advice to the user, which is specific and actionable based on the user's financial situation and goals. For example, the advice may look like this:

[0883] Advice for user ID 12345:

[0884] Considering your current income and expenses, we recommend that you secure a one-year emergency fund. We recommend that you allocate 5% of your monthly income to a bank account as an emergency fund, and also review your insurance products and create a portfolio that takes risk hedging into consideration.

[0885] The hardware used includes smartphones and smart glasses, the software uses the Python programming language and the Requests library, and the generative AI uses OpenAI GPT models, for example. The system allows users to assess financial risks and receive assistance in taking appropriate measures.

[0886] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[0887] Step 1: Collect user information

[0888] Users use devices such as smartphones or smart glasses to input financial and goal information, such as income, expenses, savings, and short- and long-term goals. Specifically, users launch the application and input information such as income of 6 million yen, expenses of 3.5 million yen, savings of 2 million yen, a short-term goal of saving money for travel, and a long-term goal of purchasing a house. The input data is then stored on the device.

[0889] Input: User's income, expenses, savings, short-term goals, long-term goals

[0890] Output: A user object containing initialized financial and goal data.

[0891] Step 2: Initialize user information

[0892] The device initializes a user object based on the user information entered in step 1. This object also contains the user ID. The initialized object stores income, expenses, savings, short-term goals, and long-term goals.

[0893] Input: User's income, expenses, savings, short-term goals, long-term goals

[0894] Output: A user object containing the user ID and financial and goal data.

[0895] Step 3: Generate prompts

[0896] The device generates prompts based on the user object data to send to the generation AI. Specifically, it creates text prompts including income, expenses, savings, short-term goals, and long-term goals. For example,

[0897] User financial data: {Income: 6,000,000, Expenses: 3,500,000, Savings: 2,000,000}

[0898] Provide financial risk assessment and measures.

[0899] Input: User object containing user ID, financial data, and goal data

[0900] Output: Generated prompt statement

[0901] Step 4: Sending the prompt

[0902] The device sends the generated prompt to the Generating Artificial Intelligence (Generating AI) via the server. The server receives the prompt and sends a request to the Generating AI API. The API analyzes the prompt and returns financial advice as a response.

[0903] Input: Generated prompt text

[0904] Output: Response data returned by the generation AI

[0905] Step 5: Obtaining and analyzing advice

[0906] The server receives the response from the AI ​​generator and analyzes its contents. Specifically, it extracts the financial advice section from the response data, and then extracts the financial security risk assessment results and countermeasures.

[0907] Input: Response data returned from the generation AI

[0908] Output: Analyzed financial advice and security recommendations

[0909] Step 6: Viewing Advice

[0910] The terminal then displays the analyzed financial advice and security measures to the user. Specifically, the advice is displayed on the terminal display. For example,

[0911] Advice for user ID 12345:

[0912] Considering your current income and expenses, we recommend that you secure a one-year emergency fund. We recommend that you allocate 5% of your monthly income to a bank account as an emergency fund, and also review your insurance products and create a portfolio that takes risk hedging into consideration.

[0913] Input: Parsed financial advice and security measures

[0914] Output: Advice displayed to the user

[0915] Furthermore, an emotion engine that estimates the user's emotion may be further combined. That is, the identification processing unit 290 may estimate the user's emotion using the emotion identification model 59, and perform identification processing using the user's emotion.

[0916] The present invention combines a system that uses generative AI to provide personalized financial advice based on a user's financial information and goal information with an emotion engine that recognizes the user's emotions. This system is realized by a user's terminal, a server, the emotion engine, and a program that utilizes generative AI.

[0917] Program processing flow

[0918] Collection of User Information

[0919] Users log in to the terminal and enter financial information and goal information, such as income, expenses, savings, and other financial data, as well as short-term and long-term goals.

[0920] For example, the user enters the following information:

[0921] Income: 6 million yen

[0922] Expenses: 3.5 million yen

[0923] Savings: 2 million yen

[0924] Short-term goal: Save money for a trip

[0925] Long-term goal: Buy a home

[0926] Initializing user information

[0927] The terminal uses the entered information to initialize a user object, which contains the user ID, financial data, and goal data.

[0928] Emotional information analysis

[0929] The device uses an emotion engine to analyze user input data, real-time facial expressions, tone of voice, etc. The emotion engine analyzes this data to determine the user's current emotional state.

[0930] Preparing an Advice Generation Request

[0931] The device combines financial data, goal data, and emotional information to generate prompts that are sent to a generative AI and take the following form:

[0932] User financial data: {Income: 6,000,000, Expenses: 3,500,000, Savings: 2,000,000}

[0933] User Goals: {Short term: Travel savings, Long term: Home purchase}

[0934] User's emotional state: {Stress: High, Motivation: Low}

[0935] Provide financial advice based on this.

[0936] Generating Advice

[0937] The server receives the generated prompts and generates financial advice using a generative AI, which provides optimal advice based on the prompts.

[0938] Getting Advice

[0939] The server receives the response from the generation AI and extracts the text portion of the financial advice from it.

[0940] Displaying Advice

[0941] The device then presents the user with financial advice that is tailored to their financial situation, goals, and emotional state, such as:

[0942] Advice for user ID 12345:

[0943] In the short term, we recommend allocating 50,000 yen per month to travel savings. Also, your long-term goal of purchasing a home can be achieved by saving 1 million yen per year from your current income. Since your current stress level is high and your motivation is low, it would be a good idea to review your spending at a reasonable pace and set aside time to relax.

[0944] In this way, the system of the present invention can provide appropriate financial advice to each user quickly and effectively. By taking emotional information into account, it is possible to obtain advice that is adapted to the user's psychological state.

[0945] The processing flow will be explained below.

[0946] Step 1:

[0947] Users log in to the device and enter their financial and goal information, including income, expenses, savings, and other financial data, as well as short- and long-term goals such as travel funds or home purchases.

[0948] Step 2:

[0949] The terminal takes the entered information and creates a user object, which holds the user ID, financial data, and goal data.

[0950] Step 3:

[0951] The device uses an emotion engine to analyze the user's emotional information, collecting data such as the user's input, facial expressions, and tone of voice.

[0952] Step 4:

[0953] The emotion engine analyzes the collected data and identifies the user's current emotional state (e.g., stress level, motivation).

[0954] Step 5:

[0955] The device integrates financial data, goal data, and emotional information to generate prompts that are then sent to the generative AI.

[0956] User financial data: {'income': 6000000, 'expenses': 3500000, 'savings': 2000000}

[0957] User Goals: {'Short Term': 'Travel Savings', 'Long Term': 'Home Purchase'}

[0958] User's emotional state: {'Stress': 'High', 'Motivation': 'Low'}

[0959] Provide financial advice based on this.

[0960] Step 6:

[0961] The device sends the generated prompt to the server, which receives it and prepares a request to the generating AI.

[0962] Step 7:

[0963] The server sends prompts using the Generative AI API, which then generates optimal financial advice based on the prompts.

[0964] Step 8:

[0965] The server receives the response from the AI ​​generator and extracts the text portion of the financial advice from it. Specifically, it extracts the necessary information from the API response.

[0966] Step 9:

[0967] The server sends the extracted financial advice back to the terminal, where it is ready for the user to receive the advice.

[0968] Step 10:

[0969] The device displays financial advice to users, tailored to their financial situation and goals, as well as emotional information.

[0970] Advice for user ID 12345:

[0971] In the short term, we recommend allocating 50,000 yen per month to travel savings. Also, your long-term goal of purchasing a home can be achieved by saving 1 million yen per year from your current income. Currently, you're feeling stressed and unmotivated, so it's a good idea to increase your motivation by accumulating small successes, while also reviewing your spending at a comfortable pace and setting aside time to relax.

[0972] These steps allow users to receive fast and accurate personalized financial advice based on their financial information, goals, and emotional state.

[0973] Example 2

[0974] Next, a description will be given of Example 2. In the following description, the data processing device 12 will be referred to as a "server" and the headset type terminal 314 will be referred to as a "terminal."

[0975] While conventional financial advice systems can provide advice based on a user's financial information and goals, they lack the ability to take into account the user's emotions and psychological state. As a result, the advice provided does not adequately reflect the user's stress and motivation, resulting in low practicality. Furthermore, there is a need for more accurate advice that takes into account the user's emotional state, which changes in real time.

[0976] The specific processing by the specific processing unit 290 of the data processing device 12 in the second embodiment is realized by the following means.

[0977] In this invention, the server includes means for having a user input financial information and goal information, means for generating prompts using the financial information and goal information, and means for transmitting the generated prompts to the AI ​​generator to obtain financial advice. This enables the server to analyze the user's input data, real-time facial expressions, tone of voice, etc., identify the user's emotional state, and generate prompts that incorporate the emotional state, thereby providing highly feasible financial advice that reflects the user's psychological state.

[0978] "User" means an individual or organization that uses the system and inputs financial and goal information.

[0979] "Financial Information" means numerical data about your financial situation, such as your income, expenses, and savings, provided by you.

[0980] "Goal information" refers to short-term and long-term goals set by the user, such as travel funds or home purchases.

[0981] A "prompt" is input data generated based on a user's financial information, goal information, and emotional information and sent to a generative AI model.

[0982] "Generative artificial intelligence" is an automated, intelligent system that generates optimal financial advice based on input prompts.

[0983] "Financial Advice" means advice output by the generative AI based on prompts, taking into account the user's financial situation and goals.

[0984] "Emotional state" refers to a user's real-time emotional or psychological state, including, for example, stress and motivation levels.

[0985] An "emotion engine" is a system that has the function of analyzing a user's facial expressions, tone of voice, input data, etc. to identify their emotional state.

[0986] The present invention is a system for generating personalized financial advice based on financial information and goal information provided by a user. The system is realized by a user terminal, a server, an emotion engine, and a program using a generative AI model.

[0987] Users log in to their devices and enter their financial information and goals, such as income, expenses, savings, and short- and long-term goals. For example, they might enter the following information:

[0988] Income: 6 million yen

[0989] Expenses: 3.5 million yen

[0990] Amount saved: 2 million yen

[0991] Short-term goal: Save money for a trip

[0992] Long-term goal: Buy a home

[0993] Based on the input information, the terminal initializes a user object, which includes a user ID, financial data, and goal data.

[0994] In addition, the device captures the user's real-time facial expressions and tone of voice and sends them to the emotion engine. The emotion engine analyzes this data and identifies the user's current emotional state. For example, the emotion engine returns an emotional state such as "Stress: High, Motivation: Low."

[0995] The device integrates financial data, goal data, and emotional information to generate prompts for the generative AI model, which typically take the form:

[0996] plaintext

[0997] User's financial data: {Income: $60,000, Expenses: $35,000, Savings: $20,000}

[0998] User Goals: {Short term: Travel savings, Long term: Home purchase}

[0999] User's emotional state: {Stress: High, Motivation: Low}

[1000] Provide financial advice based on this.

[1001] This prompt is sent from the terminal to the server.

[1002] The server uses a generative AI model to generate optimal financial advice based on prompts received from the device. The generative AI model considers the user's financial information, goal information, and emotional state, analyzes each piece of data, and provides actionable advice.

[1003] The generated financial advice is sent from the server to the terminal, which then displays the received financial advice to the user. For example, the following advice may be provided:

[1004] plaintext

[1005] Advice for user ID 12345:

[1006] In the short term, we recommend allocating 50,000 yen per month to travel savings. Also, your long-term goal of purchasing a home can be achieved by saving 1 million yen per year from your current income. Since your current stress level is high and your motivation is low, it would be a good idea to review your spending at a reasonable pace and set aside time to relax.

[1007] The system provides fast and effective personalized financial advice that takes into account a user's financial situation, goals, and emotional state, thereby increasing user feasibility and satisfaction.

[1008] The flow of the identification process in the second embodiment will be described with reference to FIG.

[1009] Step 1:

[1010] A user logs in to a terminal and inputs financial and goal information, including income, expenses, savings, short-term and long-term goals, etc. The terminal then stores this data as variables and passes it on to the next processing step.

[1011] Step 2:

[1012] The terminal initializes a user object based on the financial and goal information entered by the user. The user object has fields such as user ID, income, expenses, savings, short-term goals, and long-term goals. The initialized object is used in subsequent processes.

[1013] Step 3:

[1014] The device captures the user's real-time facial expressions and tone of voice, along with financial and goal information. The captured data is sent to the emotion engine, which analyzes this data and identifies the user's current emotional state (e.g., stress: high, motivation: low). This identified emotional state is used in the next step.

[1015] Step 4:

[1016] The device combines financial data, goal data, and emotional information to generate a prompt, which is then sent to the generative AI model. An example prompt might look like this:

[1017] plaintext

[1018] User's financial data: {Income: $60,000, Expenses: $35,000, Savings: $20,000}

[1019] User Goals: {Short term: Travel savings, Long term: Home purchase}

[1020] User's emotional state: {Stress: High, Motivation: Low}

[1021] Provide financial advice based on this.

[1022] The generated prompt is sent to the server.

[1023] Step 5:

[1024] The server inputs the prompts received from the device into a generative AI model to generate financial advice. The generative AI model analyzes the financial information, goal information, and emotional information contained in the prompts and outputs the optimal advice. This advice is generated in text format and passed to the next step.

[1025] Step 6:

[1026] The server receives the generated financial advice, extracts important information from it, organizes it into text in a format that is easy for the user to understand, and sends it to the device.

[1027] Step 7:

[1028] The device receives financial advice from the server and displays it to the user, tailored to the user's financial situation, goals, and emotional state. For example, the device might display advice like:

[1029] plaintext

[1030] Advice for user ID 12345:

[1031] In the short term, we recommend allocating 50,000 yen per month to travel savings. Also, your long-term goal of purchasing a home can be achieved by saving 1 million yen per year from your current income. Since your current stress level is high and your motivation is low, it would be a good idea to review your spending at a reasonable pace and set aside time to relax.

[1032] The above processing steps enable the system to provide personalized financial advice that comprehensively considers each user's individual financial situation, goals, and emotional state.

[1033] (Application example 2)

[1034] Next, a description will be given of Application Example 2. In the following description, the data processing device 12 will be referred to as a "server" and the headset type terminal 314 will be referred to as a "terminal."

[1035] Current financial management systems have difficulty providing financial advice that takes into account the user's emotions and psychological state. Furthermore, there is a lack of systems that provide personalized advice while ensuring the security of financial information. Therefore, it is a challenge to quickly provide appropriate advice that reflects the user's emotional state and security needs in financial management.

[1036] The identification process by the identification processing unit 290 of the data processing device 12 in Application Example 2 is realized by the following means. In this invention, the server includes means for having the user input financial information and goal information, means for generating a prompt using the financial information and goal information, means for sending the generated prompt to the generating artificial intelligence and obtaining financial advice, means for displaying the obtained financial advice to the user, means for recognizing emotions by analyzing input data, facial expressions in real time, tone of voice, etc., means for encrypting various information, and means for performing two-factor authentication. This makes it possible to quickly provide appropriate financial advice tailored to the user's emotional state and security needs.

[1037] "Financial information" is data that indicates a user's economic status, such as income, expenses, and savings.

[1038] "Goal Information" is data that includes short-term and long-term financial goals set by a user.

[1039] A "prompt" is data containing instructions or questions that are generated based on a user's financial and goal information and sent to the generating artificial intelligence.

[1040] "Generative AI" is an artificial intelligence program for generating appropriate financial advice based on input prompts.

[1041] "Emotion recognition means" is a technology that identifies emotions by analyzing user input data, real-time facial expressions, tone of voice, etc.

[1042] "Encryption" means a method of transforming information using cryptography to protect data such as a user's financial information or target information.

[1043] "Two-factor authentication" is an authentication method that strengthens security by using another authentication method in addition to one piece of authentication information such as a password.

[1044] To realize this application example, the following system configuration is required.

[1045] First, a user logs in to the application using a smartphone and enters their financial information (income, expenses, savings, etc.) and goal information (short-term and long-term financial goals). This information is temporarily stored on the user's device.

[1046] The financial and goal information entered by the user is protected using encryption technology (such as AES encryption). Two-factor authentication is also performed when the user logs in, ensuring security. At this stage, the user's device initializes a user object based on the entered information.

[1047] Next, the user's device uses the camera and microphone to recognize the user's emotions in real time. Image processing libraries (such as face_recognition) and voice recognition libraries (such as keras and soundfile) are used for emotion recognition. For example, the user's emotional state (such as stress or motivation levels) can be identified through face recognition and voice analysis using the camera.

[1048] It then integrates the user's financial, goal, and emotional information to generate appropriate prompts, which are then sent to a generative AI model to generate optimized financial advice. The prompts sent to the generative AI model take the following form:

[1049] User's financial data: {Income: 6,000,000, Expenses: 3,500,000, Savings: 2,000,000}

[1050] User Goals: {Short term: Travel savings, Long term: Home purchase}

[1051] User's emotional state: {Stress: High, Motivation: Low}

[1052] Provide financial advice based on this.

[1053] The prompt is sent to a cloud-based server, and the generative AI model generates financial advice based on it. The generated advice is received by the server, and its text portion is extracted. This extracted financial advice is then sent back to the user's device for display.

[1054] As a specific example, the advice for user ID 12345 would be:

[1055] In the short term, we recommend allocating 50,000 yen per month to travel savings. Also, your long-term goal of purchasing a home can be achieved by saving 1 million yen per year from your current income. Since your current stress level is high and your motivation is low, it would be a good idea to review your spending at a reasonable pace and set aside time to relax.

[1056] The system enables safe and fast delivery of personalized financial advice based on a user's financial information and emotional state.

[1057] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[1058] Step 1:

[1059] A user logs in to an application on their smartphone.

[1060] Input: User ID, password, and two-factor authentication information.

[1061] Output: Login success or failure status.

[1062] Specific operation: The user is authenticated using a two-factor authentication system, and if successful, proceed to the next step.

[1063] Step 2:

[1064] The user enters financial and goal information.

[1065] Input: Income, Expenses, Savings, Short Term Goals, Long Term Goals.

[1066] Output: The user's financial data object.

[1067] Specific operation: User input data is collected on the terminal, encrypted, and then sent to the server.

[1068] Step 3:

[1069] The user's device analyzes facial expressions and tone of voice in real time to identify their emotional state.

[1070] Input: User's facial expression image data, voice data.

[1071] Output: User's emotional information data.

[1072] Specific operation: Data analysis is performed using face recognition and speech recognition libraries to classify emotional states.

[1073] Step 4:

[1074] The device integrates financial data, goal data, and emotional information to generate prompts.

[1075] Inputs: Financial data, goal data, sentiment information.

[1076] Output: The prompt statement.

[1077] What it does: Consolidates all collected data and generates prompts to send to a generative AI model.

[1078] Step 5:

[1079] The generated prompts are sent to a cloud-based server, where a generative AI model retrieves financial advice.

[1080] Input: prompt statement.

[1081] Output: Financial advice text from a generative AI model.

[1082] Specific operation: Send a prompt to the cloud server and receive the generated advice.

[1083] Step 6:

[1084] The server analyzes the responses from the generative AI model and extracts the optimal financial advice.

[1085] Input: Response data for the generative AI model.

[1086] Output: Optimized financial advice.

[1087] Specific operation: Extract the financial advice portion from the generative AI's response in text format.

[1088] Step 7:

[1089] The terminal displays the obtained financial advice to the user.

[1090] Enter: optimized financial advice.

[1091] Output: Display of financial advice to user.

[1092] Specific behavior: Display financial advice on the user's device and allow the user to act on the advice as needed.

[1093] The specific processing unit 290 transmits the result of the specific processing to the headset type terminal 314. In the headset type terminal 314, the control unit 46A causes the speaker 240 and the display 343 to output the result of the specific processing. The microphone 238 acquires audio indicating a user input regarding the result of the specific processing. The control unit 46A transmits audio data indicating the user input acquired by the microphone 238 to the data processing device 12. In the data processing device 12, the specific processing unit 290 acquires the audio data.

[1094] The data generation model 58 is a so-called generative AI (Artificial Intelligence). An example of the data generation model 58 is ChatGPT (Internet Search<URL: https: / / openai.com / blog / chatgpt> ), Gemini (Internet search <url: https: gemini.google.com ?hl="ja">) and other generation AIs. The data generation model 58 is obtained by performing deep learning on a neural network. A prompt including an instruction is input to the data generation model 58, and inference data such as voice data indicating voice, text data indicating text, and image data indicating an image is also input. The data generation model 58 performs inference on the input inference data in accordance with the instruction indicated by the prompt, and outputs the inference result in a data format such as voice data and text data. Here, inference refers to, for example, analysis, classification, prediction, and / or summarization.

[1095] In the above embodiment, an example was given in which the specific processing is performed by the data processing device 12, but the technology of the present disclosure is not limited to this, and the specific processing may be performed by the headset type terminal 314.

[1096] [Fourth embodiment]

[1097] FIG. 7 shows an example of the configuration of a data processing system 410 according to the fourth embodiment.

[1098] 7, a data processing system 410 includes a data processing device 12 and a robot 414. An example of the data processing device 12 is a server.

[1099] The data processing device 12 includes a computer 22, a database 24, and a communication I / F 26. The computer 22 is an example of a "computer" according to the technology of the present disclosure. The computer 22 includes a processor 28, a RAM 30, and a storage 32. The processor 28, the RAM 30, and the storage 32 are connected to a bus 34. The database 24 and the communication I / F 26 are also connected to the bus 34. The communication I / F 26 is connected to a network 54. Examples of the network 54 include a WAN (Wide Area Network) and / or a LAN (Local Area Network).

[1100] The robot 414 includes a computer 36, a microphone 238, a speaker 240, a camera 42, a communication I / F 44, and a control target 443. The computer 36 includes a processor 46, a RAM 48, and a storage 50. The processor 46, the RAM 48, and the storage 50 are connected to a bus 52. The microphone 238, the speaker 240, the camera 42, and the control target 443 are also connected to the bus 52.

[1101] The microphone 238 receives instructions and the like from the user 20 by receiving voice uttered by the user 20. The microphone 238 captures the voice uttered by the user 20, converts the captured voice into audio data, and outputs it to the processor 46. The speaker 240 outputs audio in accordance with instructions from the processor 46.

[1102] Camera 42 is a small digital camera equipped with an optical system including a lens, aperture, and shutter, and an imaging element such as a CMOS (Complementary Metal-Oxide-Semiconductor) image sensor or a CCD (Charge Coupled Device) image sensor, and captures images of the surroundings of user 20 (for example, an imaging range defined by an angle of view equivalent to the field of vision of a typical healthy person).

[1103] The communication I / F 44 is connected to a network 54. The communication I / Fs 44 and 26 are responsible for the exchange of various information between the processor 46 and the processor 28 via the network 54. The exchange of various information between the processor 46 and the processor 28 using the communication I / Fs 44 and 26 is carried out in a secure state.

[1104] The control object 443 includes a display device, LEDs in the eyes, and motors for driving the arms, hands, and feet. The posture and gestures of the robot 414 are controlled by controlling the motors of the arms, hands, and feet. Some of the emotions of the robot 414 can be expressed by controlling these motors. In addition, the facial expressions of the robot 414 can also be expressed by controlling the light emission state of the LEDs in the eyes of the robot 414.

[1105] Fig. 8 shows an example of the main functions of the data processing device 12 and the robot 414. As shown in Fig. 8, in the data processing device 12, a specific process is performed by the processor 28. A specific process program 56 is stored in the storage 32.

[1106] The specific processing program 56 is an example of a "program" according to the technology of the present disclosure. The processor 28 reads the specific processing program 56 from the storage 32 and executes the read specific processing program 56 on the RAM 30. The specific processing is realized by the processor 28 operating as a specific processing unit 290 in accordance with the specific processing program 56 executed on the RAM 30.

[1107] The storage 32 stores a data generation model 58 and an emotion identification model 59. The data generation model 58 and the emotion identification model 59 are used by the identification processing unit 290.

[1108] In the robot 414, the processor 46 performs the reception output process. A reception output program 60 is stored in the storage 50. The processor 46 reads the reception output program 60 from the storage 50 and executes the read reception output program 60 on the RAM 48. The reception output process is realized by the processor 46 operating as the control unit 46A in accordance with the reception output program 60 executed on the RAM 48.

[1109] Next, a description will be given of the specific processing performed by the specific processing unit 290 of the data processing device 12. In the following description, the data processing device 12 will be referred to as a "server" and the robot 414 will be referred to as a "terminal."

[1110] The present invention relates to a system that uses a generating AI to provide personalized financial advice based on a user's financial information and goal information. This system is realized by a user's terminal, a server, and a program that utilizes the generating AI.

[1111] Program processing flow

[1112] Collection of User Information

[1113] Users enter their financial and goal information into the terminal, such as income, expenses, savings, and other financial data, as well as short-term and long-term financial goals.

[1114] For example, the user enters the following information:

[1115] Income: 6 million yen

[1116] Expenses: 3.5 million yen

[1117] Savings: 2 million yen

[1118] Short-term goal: Save money for a trip

[1119] Long-term goal: Buy a home

[1120] Initializing user information

[1121] The terminal initializes a user object based on the entered user information, which includes the user ID, financial data, and goal data.

[1122] Preparing an Advice Generation Request

[1123] The device combines the user's financial and goal data to generate a prompt that is sent to the generating AI, typically in the form of text like this:

[1124] User financial data: {Income: 6,000,000, Expenses: 3,500,000, Savings: 2,000,000}

[1125] User Goals: {Short term: Travel savings, Long term: Home purchase}

[1126] Provide financial advice based on this.

[1127] Generating Advice

[1128] The server calls the Generative AI API and sends this prompt, and the Generative AI generates financial advice based on the prompt, so the server manages this process.

[1129] Getting Advice

[1130] The server receives the answer returned by the generation AI and extracts the text portion of the financial advice from the answer.

[1131] Displaying Advice

[1132] The device then displays extracted financial advice to the user, which contains specific and actionable content based on the user's financial situation and goals.

[1133] For example:

[1134] Advice for user ID 12345:

[1135] In the short term, we recommend allocating 50,000 yen per month to travel savings. For your long-term goal of buying a home, you can save 1 million yen per year from your current income. It's a good idea to review your spending and try to reduce your fixed costs.

[1136] In this way, the system of the present invention can quickly and effectively provide appropriate financial advice to each user, enabling users to accurately understand their own financial situation and receive specific advice to set realistic goals.

[1137] The processing flow will be explained below.

[1138] Step 1:

[1139] Users log in to the device and enter their financial and goal information, including income, expenses, savings, and other financial data, as well as short- and long-term goals such as travel funds or home purchases.

[1140] Step 2:

[1141] The terminal takes the input information and creates a User object, which has a user_id, financial_data, and goals. For example:

[1142] python

[1143] user = User(

[1144] user_id="12345",

[1145] financial_data={"Income": 6000000, "Expenses": 3500000, "Savings": 2000000},

[1146] goals={"short term": "travel savings", "long term": "home purchase"}

[1147] )

[1148] Step 3:

[1149] The device uses the user's financial and goal information to generate a prompt that is sent to the generation AI and takes the following form:

[1150] User financial data: {'income': 6000000, 'expenses': 3500000, 'savings': 2000000}

[1151] User Goals: {'Short Term': 'Travel Savings', 'Long Term': 'Home Purchase'}

[1152] Provide financial advice based on this.

[1153] Step 4:

[1154] The device sends the generated prompt to the server, which receives it and prepares a request to the generating AI.

[1155] Step 5:

[1156] The server uses the Generative AI API to send prompts, which then cause the Generative AI to generate financial advice based on the prompts.

[1157] Step 6:

[1158] The server receives the response from the generation AI and extracts the text portion of the financial advice from it, specifically using response.choices[0].text.

[1159] Step 7:

[1160] The server sends the extracted financial advice back to the terminal, where it is ready for the user to receive the advice.

[1161] Step 8:

[1162] The device displays financial advice to the user, tailored to the user's financial situation and goals, such as:

[1163] Advice for user ID 12345:

[1164] In the short term, we recommend allocating 50,000 yen per month to travel savings. For your long-term goal of buying a home, you can save 1 million yen per year from your current income. It's a good idea to review your spending and try to reduce your fixed costs.

[1165] These steps enable users to receive fast, accurate, and personalized financial advice based on their financial information and goals.

[1166] Example 1

[1167] Next, a description will be given of Example 1. In the following description, the data processing device 12 will be referred to as a "server" and the robot 414 will be referred to as a "terminal."

[1168] In today's society, many users struggle to accurately understand their financial situation and set realistic financial goals. Users without specialized knowledge face challenges in obtaining appropriate financial advice quickly and effectively. Furthermore, general financial advice services do not always address the specific circumstances of individual users, creating a demand for personalized advice.

[1169] The specific processing by the specific processing unit 290 of the data processing device 12 in the first embodiment is realized by the following means.

[1170] In this invention, the server includes means for prompting a user to input financial information and goal information, means for initializing a user object using the financial information and goal information, and means for generating a prompt sentence based on the user object, thereby enabling the provision of specific and appropriate financial advice to each user.

[1171] A "user object" is a data structure that comprehensively holds user data and is generated based on financial and goal information entered by the user.

[1172] A "prompt" is formatted text that allows the user to input financial and goal information into the generating AI.

[1173] "Financial Information" means data that constitutes a user's financial situation, such as a user's income, expenses, and savings.

[1174] "Goal Information" is data indicating short-term and long-term financial goals set by a user.

[1175] "Generative AI" is an AI system for generating appropriate financial advice in natural language based on input prompts.

[1176] A "cloud-based service" is a collection of server resources provided over the Internet, providing a platform for online computing and data storage.

[1177] "Analyzing the response and extracting financial advice" is the process of interpreting and extracting the necessary financial advice from the text data returned by the generation AI.

[1178] "User interface" refers to the visual and operational means by which a user interacts with a system on a terminal.

[1179] The present invention relates to a system that uses a generative AI to provide personalized financial advice based on a user's financial information and goal information. This system involves a series of processes in which a user inputs financial information and goal information into their own device, and the generative AI generates and provides individual advice based on that information.

[1180] Collection of User Information

[1181] Users enter financial information such as income, expenses, savings, and short- and long-term financial goals into the device. For example, they might enter:

[1182] Income: 6 million yen

[1183] Expenses: 3.5 million yen

[1184] Savings: 2 million yen

[1185] Short-term goal: Save money for a trip

[1186] Long-term goal: Buy a home

[1187] Initializing user information

[1188] The device will initialize a user object based on the collected user information, which includes the user ID, income, expenses, savings, short-term goals, and long-term goals.

[1189] Generate prompt statement

[1190] The terminal will generate a prompt based on the initialized user object, which will be sent to the generation AI and will have the following format:

[1191] User financial data: {Income: 6,000,000, Expenses: 3,500,000, Savings: 2,000,000}

[1192] User Goals: {Short term: Travel savings, Long term: Home purchase}

[1193] Provide financial advice based on this.

[1194] Submitting an Advice Generation Request

[1195] The server uses the generated prompt text to send a request to the Generative AI API, which is made using a cloud-based service.

[1196] Generating and Getting Advice

[1197] The server receives and analyzes the response from the AI ​​generator, and extracts the text portion of the financial advice from the analyzed response.

[1198] Displaying Advice

[1199] The terminal is designed to display extracted financial advice to the user, such as:

[1200] Advice for user ID 12345:

[1201] In the short term, we recommend allocating 50,000 yen per month to travel savings. For your long-term goal of buying a home, you can save 1 million yen per year from your current income. It's a good idea to review your spending and try to reduce your fixed costs.

[1202] By implementing this system, users can gain an accurate understanding of their financial situation and receive specific and personalized advice to set realistic financial goals, thereby streamlining and optimizing financial management.

[1203] The flow of the identification process in the first embodiment will be described with reference to FIG.

[1204] Step 1:

[1205] The user enters their financial information and goal information into the terminal. Specifically, they enter their income, expenses, savings, and short-term and long-term financial goals. For example, if the income is 6 million yen, expenses are 3.5 million yen, and savings are 2 million yen, the short-term goal is to save money for travel, and the long-term goal is to buy a house. The entered data is temporarily stored by the terminal.

[1206] Step 2:

[1207] The terminal initializes a user object based on the input user information. It stores the input data (income, expenses, savings, and goal information) as variables in the object and internally sets the user ID. As an output, a user object is generated. This object contains all the user's financial and goal information.

[1208] Step 3:

[1209] The terminal generates a prompt based on the initialized user object. The input is a user object, and the prompt is generated in text format based on the data in each field. Specifically, the prompt is constructed in the following format:

[1210] User financial data: {Income: 6,000,000, Expenses: 3,500,000, Savings: 2,000,000}

[1211] User Goals: {Short term: Travel savings, Long term: Home purchase}

[1212] Provide financial advice based on this.

[1213] The output is this prompt.

[1214] Step 4:

[1215] The server sends a request to the AI ​​generation API using the generated prompt text. The input is the prompt text received from the device, which is then sent to the cloud-based AI generation service. The protocol used for transmission is generally HTTP or HTTPS. The output is the response data from the AI ​​generation.

[1216] Step 5:

[1217] The server receives the response from the generation AI and analyzes its contents. The input is the response data from the generation AI, which is received in JSON format or similar. The server analyzes the response data and extracts the text portion of the financial advice. The output is the analyzed financial advice text.

[1218] Step 6:

[1219] The terminal is designed to display the retrieved financial advice to the user. The input is the financial advice text received from the server, which is converted into a format suitable for the user interface for presentation. The output is a visual display to the user. An example of a specific advice message is displayed as follows:

[1220] Advice for user ID 12345:

[1221] In the short term, we recommend allocating 50,000 yen per month to travel savings. For your long-term goal of buying a home, you can save 1 million yen per year from your current income. It's a good idea to review your spending and try to reduce your fixed costs.

[1222] (Application example 1)

[1223] Next, a description will be given of Application Example 1. In the following description, the data processing device 12 will be referred to as a "server" and the robot 414 will be referred to as a "terminal."

[1224] Conventional financial advice systems are primarily designed to provide advice based on basic financial data such as users' income, expenses, and savings, but do not analyze financial security risks or provide advice on how to address them. As a result, users are unable to fully understand their financial risks and are unable to take appropriate security measures.

[1225] The specific processing by the specific processing unit 290 of the data processing device 12 in the application example 1 is realized by the following means.

[1226] In this invention, the server includes means for having a user input financial information and goal information, means for generating prompts using the financial information and goal information, means for transmitting the generated prompts to a generating artificial intelligence and obtaining financial advice, means for analyzing financial security risks based on the obtained financial advice, and means for displaying security advice for the analyzed risks to the user. This allows the user to easily understand appropriate security measures according to their own financial situation and improve the accuracy of risk management.

[1227] "User" means an individual or entity that inputs financial and goal information and receives financial advice and security measures from the Generative Artificial Intelligence.

[1228] "Financial Information" is data related to a user's financial situation, such as income, expenses, and savings.

[1229] "Goal Information" is data about short-term and long-term financial and lifestyle goals.

[1230] A "prompt" is text data generated based on financial and goal information collected from a user and sent to the generating artificial intelligence.

[1231] "Generative AI" refers to an artificial intelligence system used to generate financial advice or security measures based on input prompts.

[1232] "Financial Advice" means specific instructions or suggestions provided by the generative artificial intelligence based on the user's financial and goal information.

[1233] "Financial Security Risk" means a potential financial danger or threat to a User's financial situation.

[1234] "Security advice" is specific measures and suggestions that users should take based on the financial security risks analyzed by the generative AI.

[1235] This invention relates to a system that uses generative AI to analyze financial security risks based on a user's financial information and goal information, and proposes appropriate countermeasures. This allows users to easily understand specific security measures according to their financial situation and improve the accuracy of risk management.

[1236] First, the user uses a device such as a smartphone or smart glasses to input financial information and goal information, such as income, expenses, savings, and short- and long-term goals. For example, the user might input information such as income of 6 million yen, expenses of 3.5 million yen, savings of 2 million yen, a short-term goal of saving money for travel, and a long-term goal of purchasing a home.

[1237] Next, the terminal initializes the user object based on the input information. The terminal generates a prompt based on this information. The generated prompt takes the following format as text data to be sent to the generation artificial intelligence (generation AI).

[1238] User financial data: {Income: 6,000,000, Expenses: 3,500,000, Savings: 2,000,000}

[1239] Provide financial risk assessment and measures.

[1240] The server calls the AI ​​API to send the prompt, and the AI ​​generates financial and security advice based on the prompt. The server receives the answer returned by the AI, analyzes it to assess financial and security risks, and extracts specific advice for the user.

[1241] Finally, the device presents the extracted security advice to the user, which is specific and actionable based on the user's financial situation and goals. For example, the advice may look like this:

[1242] Advice for user ID 12345:

[1243] Considering your current income and expenses, we recommend that you secure a one-year emergency fund. We recommend that you allocate 5% of your monthly income to a bank account as an emergency fund, and also review your insurance products and create a portfolio that takes risk hedging into consideration.

[1244] The hardware used includes smartphones and smart glasses, the software uses the Python programming language and the Requests library, and the generative AI uses OpenAI GPT models, for example. The system allows users to assess financial risks and receive assistance in taking appropriate measures.

[1245] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[1246] Step 1: Collect user information

[1247] Users use devices such as smartphones or smart glasses to input financial and goal information, such as income, expenses, savings, and short- and long-term goals. Specifically, users launch the application and input information such as income of 6 million yen, expenses of 3.5 million yen, savings of 2 million yen, a short-term goal of saving money for travel, and a long-term goal of purchasing a house. The input data is then stored on the device.

[1248] Input: User's income, expenses, savings, short-term goals, long-term goals

[1249] Output: A user object containing initialized financial and goal data.

[1250] Step 2: Initialize user information

[1251] The device initializes a user object based on the user information entered in step 1. This object also contains the user ID. The initialized object stores income, expenses, savings, short-term goals, and long-term goals.

[1252] Input: User's income, expenses, savings, short-term goals, long-term goals

[1253] Output: A user object containing the user ID and financial and goal data.

[1254] Step 3: Generate prompts

[1255] The device generates prompts based on the user object data to send to the generation AI. Specifically, it creates text prompts including income, expenses, savings, short-term goals, and long-term goals. For example,

[1256] User financial data: {Income: 6,000,000, Expenses: 3,500,000, Savings: 2,000,000}

[1257] Provide financial risk assessment and measures.

[1258] Input: User object containing user ID, financial data, and goal data

[1259] Output: Generated prompt statement

[1260] Step 4: Sending the prompt

[1261] The device sends the generated prompt to the Generating Artificial Intelligence (Generating AI) via the server. The server receives the prompt and sends a request to the Generating AI API. The API analyzes the prompt and returns financial advice as a response.

[1262] Input: Generated prompt text

[1263] Output: Response data returned by the generation AI

[1264] Step 5: Obtaining and analyzing advice

[1265] The server receives the response from the AI ​​generator and analyzes its contents. Specifically, it extracts the financial advice section from the response data, and then extracts the financial security risk assessment results and countermeasures.

[1266] Input: Response data returned from the generation AI

[1267] Output: Analyzed financial advice and security recommendations

[1268] Step 6: Viewing Advice

[1269] The terminal then displays the analyzed financial advice and security measures to the user. Specifically, the advice is displayed on the terminal display. For example,

[1270] Advice for user ID 12345:

[1271] Considering your current income and expenses, we recommend that you secure a one-year emergency fund. We recommend that you allocate 5% of your monthly income to a bank account as an emergency fund, and also review your insurance products and create a portfolio that takes risk hedging into consideration.

[1272] Input: Parsed financial advice and security measures

[1273] Output: Advice displayed to the user

[1274] Furthermore, an emotion engine that estimates the user's emotion may be further combined. That is, the identification processing unit 290 may estimate the user's emotion using the emotion identification model 59, and perform identification processing using the user's emotion.

[1275] The present invention combines a system that uses generative AI to provide personalized financial advice based on a user's financial information and goal information with an emotion engine that recognizes the user's emotions. This system is realized by a user's terminal, a server, the emotion engine, and a program that utilizes generative AI.

[1276] Program processing flow

[1277] Collection of User Information

[1278] Users log in to the terminal and enter financial information and goal information, such as income, expenses, savings, and other financial data, as well as short-term and long-term goals.

[1279] For example, the user enters the following information:

[1280] Income: 6 million yen

[1281] Expenses: 3.5 million yen

[1282] Savings: 2 million yen

[1283] Short-term goal: Save money for a trip

[1284] Long-term goal: Buy a home

[1285] Initializing user information

[1286] The terminal uses the entered information to initialize a user object, which contains the user ID, financial data, and goal data.

[1287] Emotional information analysis

[1288] The device uses an emotion engine to analyze user input data, real-time facial expressions, tone of voice, etc. The emotion engine analyzes this data to determine the user's current emotional state.

[1289] Preparing an Advice Generation Request

[1290] The device combines financial data, goal data, and emotional information to generate prompts that are sent to a generative AI and take the following form:

[1291] User financial data: {Income: 6,000,000, Expenses: 3,500,000, Savings: 2,000,000}

[1292] User Goals: {Short term: Travel savings, Long term: Home purchase}

[1293] User's emotional state: {Stress: High, Motivation: Low}

[1294] Provide financial advice based on this.

[1295] Generating Advice

[1296] The server receives the generated prompts and generates financial advice using a generative AI, which provides optimal advice based on the prompts.

[1297] Getting Advice

[1298] The server receives the response from the generation AI and extracts the text portion of the financial advice from it.

[1299] Displaying Advice

[1300] The device then presents the user with financial advice that is tailored to their financial situation, goals, and emotional state, such as:

[1301] Advice for user ID 12345:

[1302] In the short term, we recommend allocating 50,000 yen per month to travel savings. Also, your long-term goal of purchasing a home can be achieved by saving 1 million yen per year from your current income. Since your current stress level is high and your motivation is low, it would be a good idea to review your spending at a reasonable pace and set aside time to relax.

[1303] In this way, the system of the present invention can provide appropriate financial advice to each user quickly and effectively. By taking emotional information into account, it is possible to obtain advice that is adapted to the user's psychological state.

[1304] The processing flow will be explained below.

[1305] Step 1:

[1306] Users log in to the device and enter their financial and goal information, including income, expenses, savings, and other financial data, as well as short- and long-term goals such as travel funds or home purchases.

[1307] Step 2:

[1308] The terminal takes the entered information and creates a user object, which holds the user ID, financial data, and goal data.

[1309] Step 3:

[1310] The device uses an emotion engine to analyze the user's emotional information, collecting data such as the user's input, facial expressions, and tone of voice.

[1311] Step 4:

[1312] The emotion engine analyzes the collected data and identifies the user's current emotional state (e.g., stress level, motivation).

[1313] Step 5:

[1314] The device integrates financial data, goal data, and emotional information to generate prompts that are then sent to the generative AI.

[1315] User financial data: {'income': 6000000, 'expenses': 3500000, 'savings': 2000000}

[1316] User Goals: {'Short Term': 'Travel Savings', 'Long Term': 'Home Purchase'}

[1317] User's emotional state: {'Stress': 'High', 'Motivation': 'Low'}

[1318] Provide financial advice based on this.

[1319] Step 6:

[1320] The device sends the generated prompt to the server, which receives it and prepares a request to the generating AI.

[1321] Step 7:

[1322] The server sends prompts using the Generative AI API, which then generates optimal financial advice based on the prompts.

[1323] Step 8:

[1324] The server receives the response from the AI ​​generator and extracts the text portion of the financial advice from it. Specifically, it extracts the necessary information from the API response.

[1325] Step 9:

[1326] The server sends the extracted financial advice back to the terminal, where it is ready for the user to receive the advice.

[1327] Step 10:

[1328] The device displays financial advice to users, tailored to their financial situation and goals, as well as emotional information.

[1329] Advice for user ID 12345:

[1330] In the short term, we recommend allocating 50,000 yen per month to travel savings. Also, your long-term goal of purchasing a home can be achieved by saving 1 million yen per year from your current income. Currently, you're feeling stressed and unmotivated, so it's a good idea to increase your motivation by accumulating small successes, while also reviewing your spending at a comfortable pace and setting aside time to relax.

[1331] These steps allow users to receive fast and accurate personalized financial advice based on their financial information, goals, and emotional state.

[1332] Example 2

[1333] Next, a description will be given of Example 2. In the following description, the data processing device 12 will be referred to as a "server" and the robot 414 will be referred to as a "terminal."

[1334] While conventional financial advice systems can provide advice based on a user's financial information and goals, they lack the ability to take into account the user's emotions and psychological state. As a result, the advice provided does not adequately reflect the user's stress and motivation, resulting in low practicality. Furthermore, there is a need for more accurate advice that takes into account the user's emotional state, which changes in real time.

[1335] The specific processing by the specific processing unit 290 of the data processing device 12 in the second embodiment is realized by the following means.

[1336] In this invention, the server includes means for having a user input financial information and goal information, means for generating prompts using the financial information and goal information, and means for transmitting the generated prompts to the AI ​​generator to obtain financial advice. This enables the server to analyze the user's input data, real-time facial expressions, tone of voice, etc., identify the user's emotional state, and generate prompts that incorporate the emotional state, thereby providing highly feasible financial advice that reflects the user's psychological state.

[1337] "User" means an individual or organization that uses the system and inputs financial and goal information.

[1338] "Financial Information" means numerical data about your financial situation, such as your income, expenses, and savings, provided by you.

[1339] "Goal information" refers to short-term and long-term goals set by the user, such as travel funds or home purchases.

[1340] A "prompt" is input data generated based on a user's financial information, goal information, and emotional information and sent to a generative AI model.

[1341] "Generative artificial intelligence" is an automated, intelligent system that generates optimal financial advice based on input prompts.

[1342] "Financial Advice" means advice output by the generative AI based on prompts, taking into account the user's financial situation and goals.

[1343] "Emotional state" refers to a user's real-time emotional or psychological state, including, for example, stress and motivation levels.

[1344] An "emotion engine" is a system that has the function of analyzing a user's facial expressions, tone of voice, input data, etc. to identify their emotional state.

[1345] The present invention is a system for generating personalized financial advice based on financial information and goal information provided by a user. The system is realized by a user terminal, a server, an emotion engine, and a program using a generative AI model.

[1346] Users log in to their devices and enter their financial information and goals, such as income, expenses, savings, and short- and long-term goals. For example, they might enter the following information:

[1347] Income: 6 million yen

[1348] Expenses: 3.5 million yen

[1349] Amount saved: 2 million yen

[1350] Short-term goal: Save money for a trip

[1351] Long-term goal: Buy a home

[1352] Based on the input information, the terminal initializes a user object, which includes a user ID, financial data, and goal data.

[1353] In addition, the device captures the user's real-time facial expressions and tone of voice and sends them to the emotion engine. The emotion engine analyzes this data and identifies the user's current emotional state. For example, the emotion engine returns an emotional state such as "Stress: High, Motivation: Low."

[1354] The device integrates financial data, goal data, and emotional information to generate prompts for the generative AI model, which typically take the form:

[1355] plaintext

[1356] User's financial data: {Income: $60,000, Expenses: $35,000, Savings: $20,000}

[1357] User Goals: {Short term: Travel savings, Long term: Home purchase}

[1358] User's emotional state: {Stress: High, Motivation: Low}

[1359] Provide financial advice based on this.

[1360] This prompt is sent from the terminal to the server.

[1361] The server uses a generative AI model to generate optimal financial advice based on prompts received from the device. The generative AI model considers the user's financial information, goal information, and emotional state, analyzes each piece of data, and provides actionable advice.

[1362] The generated financial advice is sent from the server to the terminal, which then displays the received financial advice to the user. For example, the following advice may be provided:

[1363] plaintext

[1364] Advice for user ID 12345:

[1365] In the short term, we recommend allocating 50,000 yen per month to travel savings. Also, your long-term goal of purchasing a home can be achieved by saving 1 million yen per year from your current income. Since your current stress level is high and your motivation is low, it would be a good idea to review your spending at a reasonable pace and set aside time to relax.

[1366] The system provides fast and effective personalized financial advice that takes into account a user's financial situation, goals, and emotional state, thereby increasing user feasibility and satisfaction.

[1367] The flow of the identification process in the second embodiment will be described with reference to FIG.

[1368] Step 1:

[1369] A user logs in to a terminal and inputs financial and goal information, including income, expenses, savings, short-term and long-term goals, etc. The terminal then stores this data as variables and passes it on to the next processing step.

[1370] Step 2:

[1371] The terminal initializes a user object based on the financial and goal information entered by the user. The user object has fields such as user ID, income, expenses, savings, short-term goals, and long-term goals. The initialized object is used in subsequent processes.

[1372] Step 3:

[1373] The device captures the user's real-time facial expressions and tone of voice, along with financial and goal information. The captured data is sent to the emotion engine, which analyzes this data and identifies the user's current emotional state (e.g., stress: high, motivation: low). This identified emotional state is used in the next step.

[1374] Step 4:

[1375] The device combines financial data, goal data, and emotional information to generate a prompt, which is then sent to the generative AI model. An example prompt might look like this:

[1376] plaintext

[1377] User's financial data: {Income: $60,000, Expenses: $35,000, Savings: $20,000}

[1378] User Goals: {Short term: Travel savings, Long term: Home purchase}

[1379] User's emotional state: {Stress: High, Motivation: Low}

[1380] Provide financial advice based on this.

[1381] The generated prompt is sent to the server.

[1382] Step 5:

[1383] The server inputs the prompts received from the device into a generative AI model to generate financial advice. The generative AI model analyzes the financial information, goal information, and emotional information contained in the prompts and outputs the optimal advice. This advice is generated in text format and passed to the next step.

[1384] Step 6:

[1385] The server receives the generated financial advice, extracts important information from it, organizes it into text in a format that is easy for the user to understand, and sends it to the device.

[1386] Step 7:

[1387] The device receives financial advice from the server and displays it to the user, tailored to the user's financial situation, goals, and emotional state. For example, the device might display advice like:

[1388] plaintext

[1389] Advice for user ID 12345:

[1390] In the short term, we recommend allocating 50,000 yen per month to travel savings. Also, your long-term goal of purchasing a home can be achieved by saving 1 million yen per year from your current income. Since your current stress level is high and your motivation is low, it would be a good idea to review your spending at a reasonable pace and set aside time to relax.

[1391] The above processing steps enable the system to provide personalized financial advice that comprehensively considers each user's individual financial situation, goals, and emotional state.

[1392] (Application example 2)

[1393] Next, a description will be given of Application Example 2. In the following description, the data processing device 12 will be referred to as a "server" and the robot 414 will be referred to as a "terminal."

[1394] Current financial management systems have difficulty providing financial advice that takes into account the user's emotions and psychological state. Furthermore, there is a lack of systems that provide personalized advice while ensuring the security of financial information. Therefore, it is a challenge to quickly provide appropriate advice that reflects the user's emotional state and security needs in financial management.

[1395] The identification process by the identification processing unit 290 of the data processing device 12 in Application Example 2 is realized by the following means. In this invention, the server includes means for having the user input financial information and goal information, means for generating a prompt using the financial information and goal information, means for sending the generated prompt to the generating artificial intelligence and obtaining financial advice, means for displaying the obtained financial advice to the user, means for recognizing emotions by analyzing input data, facial expressions in real time, tone of voice, etc., means for encrypting various information, and means for performing two-factor authentication. This makes it possible to quickly provide appropriate financial advice tailored to the user's emotional state and security needs.

[1396] "Financial information" is data that indicates a user's economic status, such as income, expenses, and savings.

[1397] "Goal Information" is data that includes short-term and long-term financial goals set by a user.

[1398] A "prompt" is data containing instructions or questions that are generated based on a user's financial and goal information and sent to the generating artificial intelligence.

[1399] "Generative AI" is an artificial intelligence program for generating appropriate financial advice based on input prompts.

[1400] "Emotion recognition means" is a technology that identifies emotions by analyzing user input data, real-time facial expressions, tone of voice, etc.

[1401] "Encryption" means a method of transforming information using cryptography to protect data such as a user's financial information or target information.

[1402] "Two-factor authentication" is an authentication method that strengthens security by using another authentication method in addition to one piece of authentication information such as a password.

[1403] To realize this application example, the following system configuration is required.

[1404] First, a user logs in to the application using a smartphone and enters their financial information (income, expenses, savings, etc.) and goal information (short-term and long-term financial goals). This information is temporarily stored on the user's device.

[1405] The financial and goal information entered by the user is protected using encryption technology (such as AES encryption). Two-factor authentication is also performed when the user logs in, ensuring security. At this stage, the user's device initializes a user object based on the entered information.

[1406] Next, the user's device uses the camera and microphone to recognize the user's emotions in real time. Image processing libraries (such as face_recognition) and voice recognition libraries (such as keras and soundfile) are used for emotion recognition. For example, the user's emotional state (such as stress or motivation levels) can be identified through face recognition and voice analysis using the camera.

[1407] It then integrates the user's financial, goal, and emotional information to generate appropriate prompts, which are then sent to a generative AI model to generate optimized financial advice. The prompts sent to the generative AI model take the following form:

[1408] User's financial data: {Income: 6,000,000, Expenses: 3,500,000, Savings: 2,000,000}

[1409] User Goals: {Short term: Travel savings, Long term: Home purchase}

[1410] User's emotional state: {Stress: High, Motivation: Low}

[1411] Provide financial advice based on this.

[1412] The prompt is sent to a cloud-based server, and the generative AI model generates financial advice based on it. The generated advice is received by the server, and its text portion is extracted. This extracted financial advice is then sent back to the user's device for display.

[1413] As a specific example, the advice for user ID 12345 would be:

[1414] In the short term, we recommend allocating 50,000 yen per month to travel savings. Also, your long-term goal of purchasing a home can be achieved by saving 1 million yen per year from your current income. Since your current stress level is high and your motivation is low, it would be a good idea to review your spending at a reasonable pace and set aside time to relax.

[1415] The system enables safe and fast delivery of personalized financial advice based on a user's financial information and emotional state.

[1416] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[1417] Step 1:

[1418] A user logs in to an application on their smartphone.

[1419] Input: User ID, password, and two-factor authentication information.

[1420] Output: Login success or failure status.

[1421] Specific operation: The user is authenticated using a two-factor authentication system, and if successful, proceed to the next step.

[1422] Step 2:

[1423] The user enters financial and goal information.

[1424] Input: Income, Expenses, Savings, Short Term Goals, Long Term Goals.

[1425] Output: The user's financial data object.

[1426] Specific operation: User input data is collected on the terminal, encrypted, and then sent to the server.

[1427] Step 3:

[1428] The user's device analyzes facial expressions and tone of voice in real time to identify their emotional state.

[1429] Input: User's facial expression image data, voice data.

[1430] Output: User's emotional information data.

[1431] Specific operation: Data analysis is performed using face recognition and speech recognition libraries to classify emotional states.

[1432] Step 4:

[1433] The device integrates financial data, goal data, and emotional information to generate prompts.

[1434] Inputs: Financial data, goal data, sentiment information.

[1435] Output: The prompt statement.

[1436] What it does: Consolidates all collected data and generates prompts to send to a generative AI model.

[1437] Step 5:

[1438] The generated prompts are sent to a cloud-based server, where a generative AI model retrieves financial advice.

[1439] Input: prompt statement.

[1440] Output: Financial advice text from a generative AI model.

[1441] Specific operation: Send a prompt to the cloud server and receive the generated advice.

[1442] Step 6:

[1443] The server analyzes the responses from the generative AI model and extracts the optimal financial advice.

[1444] Input: Response data for the generative AI model.

[1445] Output: Optimized financial advice.

[1446] Specific operation: Extract the financial advice portion from the generative AI's response in text format.

[1447] Step 7:

[1448] The terminal displays the obtained financial advice to the user.

[1449] Enter: optimized financial advice.

[1450] Output: Display of financial advice to user.

[1451] Specific behavior: Display financial advice on the user's device and allow the user to act on the advice as needed.

[1452] The specific processing unit 290 transmits the result of the specific processing to the robot 414. In the robot 414, the control unit 46A causes the speaker 240 and the control target 443 to output the result of the specific processing. The microphone 238 acquires voice indicating a user input regarding the result of the specific processing. The control unit 46A transmits voice data indicating the user input acquired by the microphone 238 to the data processing device 12. In the data processing device 12, the specific processing unit 290 acquires the voice data.

[1453] The data generation model 58 is a so-called generative AI (Artificial Intelligence). An example of the data generation model 58 is ChatGPT (Internet Search<URL: https: / / openai.com / blog / chatgpt> ), Gemini (Internet search <url: https: gemini.google.com ?hl="ja">) and other generation AIs. The data generation model 58 is obtained by performing deep learning on a neural network. A prompt including an instruction is input to the data generation model 58, and inference data such as voice data indicating voice, text data indicating text, and image data indicating an image is also input. The data generation model 58 performs inference on the input inference data in accordance with the instruction indicated by the prompt, and outputs the inference result in a data format such as voice data and text data. Here, inference refers to, for example, analysis, classification, prediction, and / or summarization.

[1454] In the above embodiment, an example was given in which the specific processing is performed by the data processing device 12, but the technology of the present disclosure is not limited to this, and the specific processing may be performed by the robot 414.

[1455] The emotion identification model 59 as an emotion engine may determine the user's emotion according to a specific mapping. Specifically, the emotion identification model 59 may determine the user's emotion according to an emotion map (see FIG. 9), which is a specific mapping. Similarly, the emotion identification model 59 may determine the robot's emotion, and the identification processing unit 290 may perform identification processing using the robot's emotion.

[1456] FIG. 9 is a diagram illustrating an emotion map 400 on which multiple emotions are mapped. In the emotion map 400, emotions are arranged in concentric circles radiating from the center. Emotions closer to the center of the concentric circles are more primitive. Emotions representing states and actions arising from a state of mind are arranged on the outer edges of the concentric circles. The concept of emotion includes both affect and mental states. Emotions generally generated from reactions occurring in the brain are arranged on the left side of the concentric circles. Emotions generally induced by situational judgment are arranged on the right side of the concentric circles. Emotions generally generated from reactions occurring in the brain and induced by situational judgment are arranged on the upper and lower sides of the concentric circles. Furthermore, the emotion of "pleasure" is arranged on the upper side of the concentric circles, and the emotion of "discomfort" is arranged on the lower side. In this way, in the emotion map 400, multiple emotions are mapped based on the structure by which emotions are generated, and emotions that tend to occur simultaneously are mapped close to each other.

[1457] These emotions are distributed in the 3 o'clock direction on emotion map 400, and typically fluctuate between relief and anxiety. In the right half of emotion map 400, situational awareness dominates over internal sensations, resulting in a sense of calm.

[1458] The inside of emotion map 400 represents what is going on in the mind, and the outside of emotion map 400 represents behavior, so the further you go outside emotion map 400, the more visible the emotions become (the more they are expressed in behavior).

[1459] Human emotions are based on various balances, such as posture and blood sugar levels. When these balances deviate from the ideal, a state of discomfort is indicated, and when they approach the ideal, a state of pleasure is indicated. Emotions can also be created for robots, automobiles, and motorcycles, based on various balances, such as posture and remaining battery life. When these balances deviate from the ideal, a state of discomfort is indicated, and when they approach the ideal, a state of pleasure is indicated. An emotion map can be generated, for example, based on Dr. Mitsuyoshi's emotion map (Research on Voice Emotion Recognition and Emotional Brain Physiological Signal Analysis Systems, Tokushima University, Doctoral Dissertation: https: / / ci.nii.ac.jp / naid / 500000375379). The left half of the emotion map lists emotions belonging to the "reaction" domain, where sensation is dominant. The right half of the emotion map lists emotions belonging to the "situation" domain, where situational awareness is dominant.

[1460] The emotion map defines two emotions that promote learning. One is a negative emotion on the situation side, around the middle of "repentance" or "reflection." In other words, this occurs when the robot experiences negative emotions such as "I never want to feel this way again" or "I don't want to be scolded again." The other is a positive emotion on the response side, around "desire." In other words, this occurs when the robot experiences positive feelings such as "I want more" or "I want to know more."

[1461] The emotion identification model 59 inputs user input into a pre-trained neural network, obtains emotion values ​​indicating each emotion shown in the emotion map 400, and determines the user's emotion. This neural network is pre-trained based on multiple pieces of training data that are combinations of user input and emotion values ​​indicating each emotion shown in the emotion map 400. Furthermore, this neural network is trained so that emotions that are located close to each other have similar values, as in the emotion map 900 shown in FIG. 10. FIG. 10 shows an example in which multiple emotions, "relieved," "calm," and "reassuring," have similar emotion values.

[1462] The system according to the present disclosure has been described above mainly with respect to the functions of the data processing device 12, but the system according to the present disclosure is not necessarily implemented on a server. The system according to the present disclosure may be implemented as a general information processing system. The present disclosure may be implemented, for example, as a software program running on a personal computer or an application running on a smartphone, etc. The method according to the present disclosure may be provided to users in the form of SaaS (Software as a Service).

[1463] In the above embodiment, an example was given in which the specific processing is performed by one computer 22, but the technology of the present disclosure is not limited to this, and the specific processing may be distributed and performed by a plurality of computers including the computer 22. For example, the data generation model 58 may be provided in an external device of the data processing device 12, and data may be generated in the external device in accordance with input data.

[1464] In the above embodiment, an example in which the specific processing program 56 is stored in the storage 32 has been described, but the technology of the present disclosure is not limited to this. For example, the specific processing program 56 may be stored in a portable, computer-readable, non-transitory storage medium such as a USB (Universal Serial Bus) memory. The specific processing program 56 stored in the non-transitory storage medium is installed in the computer 22 of the data processing device 12. The processor 28 executes the specific processing in accordance with the specific processing program 56.

[1465] Alternatively, the specific processing program 56 may be stored in a storage device such as a server connected to the data processing device 12 via the network 54, and the specific processing program 56 may be downloaded and installed on the computer 22 in response to a request from the data processing device 12.

[1466] It is not necessary to store all of the specific processing program 56 in a storage device such as a server connected to the data processing device 12 via the network 54, or to store all of the specific processing program 56 in the storage 32; only a portion of the specific processing program 56 may be stored.

[1467] The hardware resource for executing a specific process can be any of the following processors: An example of a processor is a CPU, which is a general-purpose processor that functions as a hardware resource for executing a specific process by executing software, i.e., a program. Another example of a processor is a dedicated electrical circuit, such as an FPGA (Field-Programmable Gate Array), a PLD (Programmable Logic Device), or an ASIC (Application Specific Integrated Circuit), which is a processor with a circuit configuration designed specifically for executing a specific process. Each processor has built-in or connected memory, and each processor uses the memory to execute the specific process.

[1468] The hardware resource that executes the specific processing may be configured with one of these various processors, or may be configured with a combination of two or more processors of the same or different types (for example, a combination of multiple FPGAs, or a combination of a CPU and an FPGA). Also, the hardware resource that executes the specific processing may be a single processor.

[1469] As an example of a system configured with a single processor, first, one processor is configured by combining one or more CPUs and software, and this processor functions as a hardware resource that executes a specific process. Second, there is a system that uses a processor that realizes the functions of an entire system including multiple hardware resources that execute a specific process on a single IC chip, as typified by SoC (System-on-a-chip). In this way, a specific process is realized using one or more of the above-mentioned various processors as hardware resources.

[1470] Furthermore, the hardware structure of these various processors can be, more specifically, an electric circuit that combines circuit elements such as semiconductor devices. The specific processing described above is merely an example. Therefore, it goes without saying that unnecessary steps may be deleted, new steps may be added, or the processing order may be rearranged, without departing from the spirit of the invention.

[1471] The above-described description and illustrations are a detailed explanation of the parts related to the technology of the present disclosure and are merely an example of the technology of the present disclosure. For example, the above description of the configuration, functions, actions, and effects is an explanation of an example of the configuration, functions, actions, and effects of the parts related to the technology of the present disclosure. Therefore, it goes without saying that unnecessary parts may be deleted, new elements may be added, or replacements may be made to the above-described description and illustrations within the scope of the gist of the technology of the present disclosure. Furthermore, to avoid confusion and facilitate understanding of the parts related to the technology of the present disclosure, the above-described description and illustrations omit explanations of common technical knowledge that do not require particular explanation to enable the implementation of the technology of the present disclosure.

[1472] All publications, patent applications, and technical standards mentioned in this specification are herein incorporated by reference to the same extent as if each individual publication, patent application, or technical standard was specifically and individually indicated to be incorporated by reference.

[1473] The following is further disclosed regarding the above embodiment.

[1474] (Claim 1)

[1475] means for inputting financial and goal information from a user;

[1476] means for generating prompts using the financial information and goal information;

[1477] a means for sending the generated prompts to a generative artificial intelligence to obtain financial advice;

[1478] a means for displaying the obtained financial advice to the user;

[1479] A system including:

[1480] (Claim 2)

[1481] 10. The system of claim 1, wherein the means for sending the prompt to the generating artificial intelligence uses a cloud-based service.

[1482] (Claim 3)

[1483] 10. The system of claim 1, wherein the means for obtaining financial advice analyzes a response from the generative artificial intelligence to extract advice.

[1484] "Example 1"

[1485] (Claim 1)

[1486] means for inputting financial and goal information from a user;

[1487] means for initializing a user object with said financial and goal information;

[1488] means for generating a prompt sentence based on the user object;

[1489] A means for sending the generated prompt sentence to the artificial intelligence generating system to obtain financial advice;

[1490] means for parsing the response from the generative artificial intelligence to extract a text portion of the financial advice;

[1491] a means for displaying the obtained financial advice to the user;

[1492] A system including:

[1493] (Claim 2)

[1494] The system of claim 1, wherein the means for sending the prompt sentence to the artificial intelligence generator uses a cloud-based service.

[1495] (Claim 3)

[1496] 10. The system of claim 1, wherein the means for obtaining financial advice analyzes a response from the generative artificial intelligence to extract advice.

[1497] "Application Example 1"

[1498] (Claim 1)

[1499] means for inputting financial and goal information from a user;

[1500] means for generating prompts using the financial information and goal information;

[1501] a means for sending the generated prompts to a generative artificial intelligence to obtain financial advice;

[1502] means for analyzing financial security risks based on the obtained financial advice;

[1503] a means for displaying security advice to the user for the analyzed risks;

[1504] A system including:

[1505] (Claim 2)

[1506] 10. The system of claim 1, wherein the means for sending the prompt to the generating artificial intelligence uses a cloud-based service.

[1507] (Claim 3)

[1508] 2. The system of claim 1, wherein the means for obtaining financial advice analyzes a response from the generative artificial intelligence to extract advice.

[1509] "Example 2: Combining Emotion Engines"

[1510] (Claim 1)

[1511] means for inputting financial and goal information from a user;

[1512] means for generating prompts using the financial information and goal information;

[1513] a means for sending the generated prompts to a generative artificial intelligence to obtain financial advice;

[1514] a means for displaying the obtained financial advice to the user;

[1515] A means of identifying the user's emotional state by analyzing their input data, real-time facial expressions, and tone of voice, and

[1516] means for generating a prompt that includes the emotional state;

[1517] A system including:

[1518] (Claim 2)

[1519] 10. The system of claim 1, wherein the means for sending the prompt to the generating artificial intelligence uses a cloud-based service.

[1520] (Claim 3)

[1521] 10. The system of claim 1, wherein the means for obtaining financial advice analyzes a response from the generative artificial intelligence to extract advice.

[1522] "Application example 2 when combining emotion engines"

[1523] (Claim 1)

[1524] means for inputting financial and goal information from a user;

[1525] means for generating prompts using the financial information and goal information;

[1526] a means for sending the generated prompts to a generative artificial intelligence to obtain financial advice;

[1527] a means for displaying the obtained financial advice to the user;

[1528] A method for recognizing emotions by analyzing input data, real-time facial expressions, tone of voice, etc.

[1529] A means for encrypting various information and a means for performing two-factor authentication;

[1530] A system including:

[1531] (Claim 2)

[1532] 10. The system of claim 1, wherein the means for sending the prompt to the generating artificial intelligence uses a cloud-based service.

[1533] (Claim 3)

[1534] 10. The system of claim 1, wherein the means for obtaining financial advice analyzes a response from the generative artificial intelligence to extract advice. [Explanation of symbols]

[1535] 10, 210, 310, 410 Data Processing Systems 12 Data Processing Device 14 Smart Devices 214 Smart Glasses 314 Headset-type terminal 414 Robot< / url:> < / url:> < / url:> < / url:>

Claims

1. means for inputting financial and goal information from a user; means for generating prompts using the financial information and goal information; a means for sending the generated prompts to a generative artificial intelligence to obtain financial advice; a means for displaying the obtained financial advice to the user; A system including:

2. The system of claim 1 , wherein the means for transmitting the prompt to the generating artificial intelligence uses a cloud-based service.

3. 2. The system of claim 1, wherein the means for obtaining financial advice analyzes a response from the generative artificial intelligence to extract advice.

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